23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I believe my credit card company, Chase Visa, is deliberately pursuing policies designed to incur financial charges. 

My credit card statement was lost in the mail so I called for a replacement. The process to procure a replacement statement is unfair to consumers and circumvents what I understand to be the law. 

Unlike others, the company does NOT email you a replacement statement. There are 3 options : 1. ) create an online account and log in to get a statement ; 2. ) have a statement mailed to you which will take " 10-14 days '' to arrive ; 3. ) have a statement faxed to you " within one hour ''. 

To create an online account, I am forced to sign a complete and full agreement I do not want to sign. I do not want to create an online account which will be used by Chase in other ways rather than simply the one-off use of obtaining a missing statement. 

The option to have a replacement mailed is absurd. This almost guarantees that finance charges will start accruing before the statement arrives. 

I chose to receive a fax. Despite the one hour service delivery promise, I had to call 5 times in a day to receive a fax and finally received it overnight ( this is noted on my account ). When the fax finally arrived, it was missing information because ( I was advised ) the statement pages are too long and not designed to be faxed. I had the statement faxed to me 3 times to verify this ; each fax was missing the same information. ( I have included copies of these faxes ) This is NOT a problem with my machine which operates perfectly normally and the Chase supervisor told me this was to do with the page size of the statement, which is not compatible with faxing. My call was recorded so this conversation can be listened to Because Chase uses regular postal service for mailing its statements, there must be tens of thousands of statements which are lost every year, simply in the normal course of business. The process for a consumer to obtain a replacement is ill-designed and does not include reasonable steps to get a bill to a customer in a timely fashion, which is required by law. The Chase process circumvents the law by putting the consumer in the unfair position of, in order to avoid finance charges, paying a bill before a detailed statement is received. 

I wish to make a second complaint against Chase. I wanted to complain about this process to whoever regulates Chase ( there are so many agencies I was unsure of the correct one ). The Chase rep, XXXX, whom I spoke with on XX/XX/XXXX, told me she was not allowed to provide me with this information. I asked her to note this in my account. I was transferred to a supervisor. She told me she did not have this information and advised me to look it up online. I want to complain that Chase employees are not equipped to provide consumers even with simple information about their rights, like who Chase is regulated by. 

I would be happy to take up both these issues with the relevant agencies if the CFPB is not the right agency.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have told them repeatedly that I am not allowed personal calls at work and they keep calling. I am going to lose my job if they do n't stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

My EX and I HAD a XXXX XXXX loan that initially was XXXX XXXX XXXX XXXX. Our loan got transferred to XXXX XXXX XXXX ( XXXX ) in XX/XX/XXXX. XXXX did not have all of the documentation about our loan and past modification help, etc. 
We were in routine communications with them. They were aware tha we had an active contract for sale of the house. They kept sending the WRONG forms for us to fill out. 
We SOLD the house XX/XX/XXXX. The pay-off amount given to our mortgage company was dated for AFTER the sale date to ensure we would be paying the correct amount. 
XXXX was paid in FULL for the loan, yet keeps sending bills for missed mortgage payments. 
I have emailed them, called them, sent them information. Each time there is communication, it is with a different representative, with differing information, and it seems like nobody has figured this out. 
I contacted our Title company and they said check was not returned and pay off amount WAS correct. They also said NOBODY from XXXX contacted them regarding any possible discrepancy in pay-out. 
A XXXX  rep initially said the pay-out check was returned because it wasn't the correct amount, then later said it appears like it WAS the correct amount but unsure as to why it wasn't accepted! Not ONCE did I receive, nor my EX, any correspondence citing pay-out was in the wrong amount. 
My EX contacted XXXX XXXX, the originator of our loan, and they said the loan WAS paid off as well. They recommended filing a formal dispute. I emailed XXXX  2-3 weeks ago. Nobody has resolved this issue. I was told a few weeks ago, after I kept calling them, that it looks like there's more money due because of the pending foreclosure process. 
I don't understand. We SOLD the house BEFORE it went into foreclosure. I communicated with XXXX  and their Foreclosure department in XXXX that house was being sold on XX/XX/XXXX. Neither my EX nor I have EVER received any bill reflecting this lack of payment. All we have received is the typical monthly statement/bill reflecting past monthly payments not sent in. 
This is still on my credit report as a balance of over {$300000.00}! That is NOT true. I can send a copy of the pay-out quote along with the CLEAR Title transfer if needed. Please help me get this rectified. 
During these ongoing economic conditions, the added stress of this is anxiety provoking and over-whelming. I don't know who else to contact. 
I called XXXX XXXX directly but got disconnected during the transfer. I then emailed XXXX XXXX but other than receiving an email citing someone would contact me, there has been no resolution or communication. I have NOT received anything still from XXXX  explaining why this is not resolved.
Product: Credit reporting or other personal consumer reports

After reviewing my submission I noticed that you stated that my account was properly investigated but how is that possible when some of the open dates are inaccurate, the dates last active are inaccurate, and dates last reported are inaccurate? This is grounds for removal. 
They also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

If these accounts are not removed I will be reporting you to the BBB, and I will be contacting the Federal Trade Commission, and I will be filing a lawsuit against your consumer reporting agency for violation of privacy and pain and suffering Remove these accounts Account Name : XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXXXXXX XXXX  Account # XXXX Furthermore, I requested you provide the following with my first dispute : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) You did not provide these four things please delete these accounts from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

There are inaccurate items on my credit report in the attached dispute. The consumer reporting agency violated federal law due to not deleting the inaccurate items in my attached dispute letter. The accounts below are inaccurately being reported on my credit report. Please reference the dispute letter. Dispute letter was also mailed to Experian on XX/XX/22 under USPS tracking # XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} xxxxxxxx XXXX XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX XXXX XXXX XXXX  with a balance of {$3000.00} XXXXXXXX XXXX with a balance of {$1100.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a dispute letter to TransUnion via USPS certified mail ( tracking # XXXX XXXX XXXX XXXX XXXX XXXX ), requesting an investigation into inaccurate items on my credit report, including a bankruptcy that is reporting with discrepancies. In my letter, I specifically requested the following information to understand how TransUnion verified the disputed items : The date TransUnion contacted the creditor or furnisher of the disputed items. 
The name of the individual who verified the disputed items. 
The method of communication used to verify the accuracy of the disputed items. 
Confirmation of whether the creditor or furnisher provided my Social Security number ( SSN ) and date of birth ( DOB ).

To ensure TransUnion could verify my identity, I included : A copy of my government-issued ID. 
A copy of my Social Security card. 
Proof of my current address. 
On XX/XX/year>, TransUnion responded, stating : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party This response was both disheartening and alarming, as I took all necessary steps to verify my identity and ensure my dispute was properly submitted. 
According to the Fair Credit Reporting Act ( FCRA ), if the completeness or accuracy of any item of information in a consumer 's file is disputed by the consumer, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. TransUnion 's refusal to investigate my dispute despite receiving all required documentation violates my rights under the FCRA.
Product: Credit card

My name is XXXX XXXX XX/XX/year>. I have a bobs discount credit card through Wells Fargo. Account number is XXXX. I had a payment of {$280.00} due by the 27th. I had auto pay on to be taken out on the 26th. It was taken out & i called multiple times during the week too make sure it was processed & posted because i got a 30 day late payment on my credit report for the same issue that Wells Fargo did not communicate. I called about XXXX times & spoke to many representatives who reassured me my payment went through. This XXXX, i check my account & it says its 6 days late. This is why i continued to call but got lied to. Im asking to not mark my account as 30 days past due or past due to my credit because i was reassured by Wells Fargo the payment 100 % went through. When i think Im done having issues with Wells Fargo, another thing comes up.
Product: Credit card

My Visa credit card had an advertised benefit about extending manufacturers warranty by up to one year. When I called Visa to use their warranty for a {$900.00} dishwasher bought entirely on a card issued by them, they denied my claim. While I believe I satisfied all clauses for the claim, they said as the dishwasher is hardwired for electrical connection, the item was excluded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation as per the Fair Credit Reporting Act section 611.
Product: Checking or savings account

I came to talk to them about all the fraud that occurred on my account they said they would fix it the same day they close my account cause they was trying to avoid paying me this bank is a well known XXXX XXXX  Ive had problems with making deposits being judge cause XXXX XXXX and assuming things I havent seen them treat any other person at that branch college or customer the way that have treated me been banking with them almost a year
Product: Debt collection

I have carefully reviewed my credit report and notice there were some accounts that are not mines, inaccurate and will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : Here are the inaccurate accounts : Exeter Finance, LLC. # 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 Bur # XXXX. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX Solutions # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX  ( # XXXX, # XXXX, XXXX XXXX # XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to report to my credit report 2 times is to only be revealed with the patients authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization.1. Please provide breakdown of fees including any collection costs and medical charges 2. Provide a copy of my signature with the provider of service to release my medical information to you. 
I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX Ct XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Unknown inquiries : 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

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$470.00} XXXX XXXX XXXXXXXX Balance Owed : {$750.00} XXXX XXXXXXXX Balance Owed : {$9800.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$31000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The account should not be showing on my personal profile, this account is a corporate responsibility. That's under a corporation name Vehicle, instead the lender is placing account on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the listed accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 XXXX XXXX  # XXXX Each of these companies has violated my rights per : 15 U.S.C 1681 Section 602A which states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : which states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) which states no consumer reporting agency may make any consumer report containing any of the following items of information : any 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a fraudulent capital one account opened in my name. I have reported it to XXXX and following the steps they recommended.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fact, the failure of a consumer to dispute the validity of a debt may not be construed by any court as admission of liability by the consumer. This was written by congress under the FDCPA, 15 USC 1692g. Only I, XXXX XXXX, who is the consumer can validate these alleged debts. Therefore, under the provisions of the Fair Credit Reporting Act and the Gramm-Leach-Blilely Act, I hereby opt-out of the reporting of these invalidated and inaccurate accounts below. Therefore, if your company continues to report these invalidated and inaccurate accounts you will be in violation of both the FCRA and the Gramm-Leach-Blilely Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

XXXX XXXX XXXX XXXX XXXX XXXX Please also provide the signed proof that I, XXXX XXXX, gave your company to include ANY information to my consumer report. So the failure to provide me with the requested proof of the signed consent that I allegedly gave to your company makes you in violation of my rights under the FCRA. Also, each time your company attempts to illegally sell or furnish my information to other agencies or affiliates without my consent you are violating my rights and individual privacy as said so by congress under both the FDCPA and FCRA, therefore I demand that the inaccurate accounts above be deleted as soon as possible. 

I have provided all of my personal documents needed to process my dispute and locate me in your system. 

Please send me an updated copy of my credit report showing the deletion of these inaccurate accounts.
Product: Credit reporting

I pulled my credit XXXX, I noticed that I had inquires that I did not authorized at all. I have called, fax and sent certified letters as well to TranUnion and have gotten nowhere with them. I have agreed to put fraud alert on my credit, they still give me the run around. They just do n't care about anything, I told them my credit means everything to me and I want those inquires removed. They told me they will not remove them. I need your help because I value my credit and need it to survive because everything in life is credit driven. I just re- pulled my reports today and nothing has changed on my credit reports. 

Sincerely,