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

The company is refusing to send my credit card statements for the year of XXXX They told me numerous times on the phone that the statements are available. However they sent all of my statements except for that year and I've contacted them to asked why and was promised that they will be sent. I've not gotten them. 
Due to a flood of my basement where the documents were kept I don't have the needed proof that I purchased their XXXX lifetime transmission warranty unless I get those statements. I think that's the reason why they are deliberately not sending them.
Product: Mortgage

On or about XX/XX/XXXX/XX/XX/XXXX A call was placed to Wells Fargo stating a reduction and inevitably a loss of job occurred, the associate took my information ask for a couple of documents that was submitted immediately and approved ( unemployment ) a memoriam forbearance agreement. I had to pay a reduced amount for XXXX months and at the completion of the forbearance I would be able to resume my regular monthly payments and the difference would go the the end of the loan. At the end of receiving my memoriam payments they stopped accepting payments. 

Wells Fargo then asked for additional documents as is they were going to do another modification although the agreement was to put the difference at the end of the loan. I supplied the information requested, that started years of additional documents requested almost every XXXX days. Forcing the home to go into Foreclosure status. 

I believe they are in violation of truth in lending practices as well as ethical procedures. Approving me of a In Memoriam and converting it to a modification. 

Since then I have requested numerous modifications ( although I should have been in Memoriam per agreement ) Ive also request the HAMP and HAMP XXXX programs and have not been successful to date. I believe Wells Fargo and its investors intentionally tried to block my payments and force a foreclosure procedure on my property. This home is not upside down like the rest of the homes and they have not tried to help " the homeowner '' since the " homeowner thru taxpayers have bailed XXXX out '' of the financial crises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had XXXX over the summer. While I was in quarantine, this particular account went 30 days past due. I was not in financial hardship but was sick. I was also having issues with this card 's online management tools, and identity theft I suffered due to my car being broken into. I explained this to the representatives. The first representative said they'd remove the late and late fee no problem. Upon initially trying to handle it himself, He advised that I would have to call back once the payment was posted. Of course, once they received their payment they changed their tune and denied my dispute altogether. I have dealt with identity theft and XXXX this summer. I don't feel I should be penalized by creditors for being sick and having my identity stolen which caused me to have to lend my attention to a host of things I've never had to deal with. It's disgusting that a business I've spent over $ XXXX in the first quarter this year alone is penalizing me in this fashion. I want this XXXX late removed as it is hindering me from the purchase of a business. I am hopeful XXXX will reconsider its position, because I can't see myself doing any more business with them otherwise.
Product: Money transfer, virtual currency, or money service

The bank has disabled online account access because I utilize a XXXX service & did so without my knowledge or consent ( email notification )
Product: Credit card or prepaid card

On XX/XX/XXXX2023 my car broke down on the side of the road. I called Chase United 's Premier Customer Service line and was hung up on and they failed to dispatch a tow truck over XXXX! phone calls over XXXX hours, under their advertised benefits for my {$450.00} / year card. 

In successive calls ( 2-8 that day ) I spoke with a supervisor and was told all they could do was transfer me to unmanned Interactive Voice Response System which required a Policy Number to complete the dispatch request for the tow truck. When Supervisor 2-8 were informed of this and I politely asked them to remain on the line while I completed the call they hung up and never provided a policy number. 

Finally, I called a tow truck myself and got towed at a cost of {$160.00} which I paid with the same Chase card and submitted via their website on XX/XX/XXXX for credit or reimbursement which they refused. 

I followed up again today by phone, XX/XX/XXXX23, and was told XXXX ) Chase doesn't handle this, DESPITE PAYING CHASE $ XXXX for this card, XXXX ) They refused to do anything and they keep directing me to ( XXXX ) XXXX that requires the policy number to complete the call despite my Chase card being affiliated with the same phone number. This is UTTERLY UNACCEPTABLE. Chase 's delay cost me 3 days of hotel ( almost {$750.00} in hotel fees ) + Rental Car fees since the car didn't get to the dealership until XXXX XXXX XXXX on XX/XX/XXXX. The issue is NOT that it took XXXX hours for a tow truck to arrive but Chase 's absolute refusal to help fix the problem. On my XX/XX/XXXX call they informed me that " Chase does not have a policy number to share, '' and when I asked " Has anyone out of Chase 's XXXX staff ever tried testing the benefits you advertise to see if you can actually deliver what you advertise for, '' they said " No. '' In short Chase is FRADULENTLY advertising " Premium Benefits, '' to FRAUDENTLY elevate the perceived benefits of a {$450.00} / year XXXX XXXX XXXX and not delivering and worse yet hanging up on XXXX phone calls over XXXX hours. 

A formal investigation needs to be opened into Chase and they should be forced to pay retribution in the amount of the annual fees for anyone that has tried using this " benefit, '' which they know they are not delivering. Pointing me, and I would assume others, to XXXX XXXX XXXX XXXX ( for a tow truck ), XXXX ) XXXX is insane. Chase is the XXXX billing and collecting for this fee and CHASE should be responsible for delivering what they are charging members for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account reported by  XXXX   XXXX   XXXX  in the file maintain under my Social Security number with Equifax in   XXXX   XXXX    .  <P/> I received an updated credit report from Equifax on  XX/XX/2017    ( Confirmation #  XXXX   XXXX  showing that the item was deleted from my credit report. A few days later I received a notice from my credit monitoring company that the account was placed by on my Equifax report.  <P/> In accordance with the requirements of the FCRA section  611 ( a  ) (  5 ) ( B ) ( ii  ), Equifax is required to notify me of the reinsertion in writing within 5 business days and I have not received such notification.   ( B ) Requirements relating to reinsertion of previously deleted mater ial ( ii )  Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.  <P/> I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law.  <P/> I have spoken with several different people trying to rectify the situation with Equifax. The first person told me to call back once I had the Confirmation that shows that the item was not reporting on my credit report and it would be removed. The second person said that she was not able to pull up the confirmation number and transferred me to a third person that advise the report was updated on  XX/XX/2017   . I advised that the report updated on  XX/XX/2017    shows it removed but I received another report on  XX/XX/2017    showing that it was added back on my report and no one can give a clear explanation as to what is going on. When asked to be transferred to a manager, I was placed on hold for  1 hour and 37  minutes before I disconnected the call.
Product: Credit card

My name is XXXX and I am a victim of Identity Theft. The thief made various fraudulent transactions or opened a fraudulent account with BBVA Compass Bank in my name. In accordance with section XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( XXXX XXXX, I am requesting BBVA Compass provide me copies of all business records relating to the the account identified above. This includes application records or screen prints of internet/phone applications, statements, invoices, and the full accounting history showing how the alleged amount was calculated.The federal law directs that they provide these documents at no charge, and without requiring a subpoena, within XXXX XXXX XXXX XXXX days of their receipt of this request. 

Additionally, I am writing to dispute certain information you have reported about me to the credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Affidavit and police report. Because the information they are reporting is the result of identity theft, and does not reflect my activities, I am requesting that they stop reporting this information to the CRAs pursuant to section XXXX ( a ) ( XXXX ) ( B ) of the Fair Credit Reporting Act, XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ). Please investigate this matter and delete the disputed account as soon as possible. Please send me a letter documenting the actions you have taken to absolve me of any responsibility for the information I am disputing, which resulted from the identity theft. 

Should they find the disputed information to be inaccurate or incomplete, or they can not verify the accuracy or completeness of the disputed information, they are additionally required, under FCRA XXXX XXXX b ) ( XXXX ) ( XXXX ), to promptly notify the credit reporting agencies of deletion of this information from my credit file.
Product: Vehicle loan or lease

XX/XX/20 - my XXXX XXXX died while on XXXX XX/XX/20 - XXXX XXXX XXXX informed me that I would need a new engine. I contacted Chrysler Corp office and was told that they can not help because my warranty expired by miles ( but not years ). I was also informed by the dealership that my vehicle was only worth $ XXXX ( my outstanding loan payoff is currently $ XXXX ). 
XX/XX/20 - I contacted Chrysler Capital to ask for lower payments and that I voluntarily participate in repossession. I was denied a lower payment ( I currently pay {$680.00} per month ). 

I had to go out and buy new vehicle after the news. Ive started the process to voluntarily give vehicle back to Chrysler Capital. Is there anything that can be done to protect my credit and have the negative equity forgiven because of the large amount of negative equity.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, ( XXXX, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! XXXX XXXX account # XXXX, XXXX  account # XXXXXXXX XXXX account # XXXXXXXX XXXX account # XXXX ) I am Attaching identity and proof of address.
Product: Credit reporting or other personal consumer reports

Identity theft Please remove accounts right now as these are in direct violation of the law. 

If they are not removed with 4 business days I will be reaching out to the Attorney Generals office. Using this as a paper trail.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX SS # XXXX Re : XXXX account XXXX XXXX  To Whom It May Concern : I dispute the validity of XXXX account XXXX. I request a investigation be opened for this account. 
I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence? 
Thank you Sincerely,
Product: Checking or savings account

XXXX XXXX I made a request for a credit this week into checking account name and the bank refused to comply.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I entered into a consumer credit transaction with First Progress a few months ago .They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with First Progress using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with First Progress. I am not for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with First Progress. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. First Progress ran my " credit '' received the credit and they want me to pay something back.
Product: Prepaid card

Multiples {$5.00} transactions from XXXX XXXX  that were made on my account not by me totaling {$77.00} between XXXX XXXX  and XXXX XXXX  in the XXXX  I reported it they did a 19 day investigation and never returned the funds said they found nothing wrong yet they werent my charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent disputes about negative items on my credit report.Some items are over seven years old I do not recognize some of the negative items.In XX/XX/2022 after many online disputes i sent certified letters with copies of my identification along with letters being notorized requesting validation of all debts reported on my credit reports with the original signed by me copies of the agreements sent to me or to have these items immediatly removed from my credit reports.I have not received any responce from XXXX, equifax, or XXXX.The XXXX  account on my report shows to be past due and unpaid however if you check the accuracy you will find i pay them XXXX every week and can prove this.I also have been paying on that account for XXXX  years if you look at it.By XXXXXXXX XXXX on records i can prove i have paid XXXX in interest alone on that account.I am also a victim of XXXX XXXX  letting a company called XXXX XXXX pull multiple hard credit pulls on me that were not authorized.I have disputed this many times with no results.My credit reports are not correct with multiple innaccuracies easily seen.I am wanting these incorrect items removed immediatly as it is hinduring my ability to live and function properly.Thank you
Product: Debt collection

This collection appeared on my credit fir the third time same company but instead of LLC at the end of their name. This debt was removed because they violated HIPPA but they keep continuing putting it on my credit. I am filing lawsuit against this company because this is the third time I have complained about them putting this collection on my credit dropping my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion recently removed XXXX XXXX XXXX from my credit report due to this account being over 7 years old and closed. XXXX XXXX purchased this account from XXXX XXXX XXXX and the pay history is the same. There has not been a payment on this account ever and it has the same payment history and should be removed also due to the account being older than 7 years with out a payment. Please investigate this account and remove and delete this account from my credit report immediately Also I have never been employed by XXXX  XXXX this should be removed and deleted my current employer is XXXX XXXX XXXX XXXX XXXX There are also addresses that should be removed and deleted that do not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please investigate, remove and delete all of this information as it is not accurate
Product: Credit card

Please correct the error in my account by removing the erroneous late payment record. I have consistently maintained timely payments and have never failed to fulfill my obligations. This inconsistency is significantly impacting my peace of mind and disrupting my sleep patterns. I urgently implore you to address this issue promptly and ensure the accuracy of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financi obtained a copy of my credit report on XX/XX/2021 - without my permission. The FCRA states that inquires made without " permissible purpose '' can be removed. Additionally, the FCRA states I can sue for damages up to {$1000.00} for pulling my credit report without my permission. Upon contacting XXXX, they were unable to provide proof of my signed approval for them to pull my credit report.
Product: Credit reporting or other personal consumer reports

There is not a more clear and obvious case of a company violating the FCRA than this. 

This relates to my disputes of inaccurate late payments on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am attaching a letter from XXXX XXXX to me. The letter clearly advises that XXXX XXXX submitted my Dispute to XXXX  on XX/XX/24. 

The letter goes on to advise me that Equifax never replied. XXXX XXXX clearly waited for the required 30 days before sending me the letter. 

The failure by XXXX XXXX XXXXnvestigate within 30 days and timely update my credit report is a clear violation of 611 - 15 U.S.C. 1681XXXX. They have a clear legal obligation to reply to XXXX XXXX ( reseller ) and convey the results as required by law. They filed to do so. 

( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Because the company failed to verify the accuracy of the items in question, the agency must IMMEDIATELY and PERMANENTLY delete them. This is a requirement of law, and not subject to excuses. There is indisputable proof the credit bureau failed to investigate or response within the time frame required. The proof comes in the form of a formal writing from another Consumer Credit Center that is attempting to comply with the law, but has been prevented from doing so by the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX XXXXXXXXBalance : {$140.00} XXXX  XXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXXXXXXBalance : {$210.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXBalance : {$1900.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$3800.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$920.00} XXXXXXXX XXXX  XXXX XXXXBalance : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX states that I applied for an account XX/XX/XXXX and it closed in XX/XX/XXXX then reports closed XX/XX/XXXX. I was unaware of having a XXXX account approval and never utilized any account with XXXX. I have disputed this multiple times with the bureaus and the company and they come back with updated information as derogatory from a late payment in XXXX then in XXXX. Its all inaccurate information and I have asked for them to remove the inaccurate information placing me in derogatory status and they state its the bureaus reporting this information in derogatory and vice versa with the bureaus stating it is fingerhut giving them information to report. At this point I need this removed immediately since it is negatively affecting my bureau and scoring and the company has failed to provide any activity on the account to report a late payment to be derogatory. Late payment reports XX/XX/XXXX the same date the account closed according to the reporting. This account is closed per the grantor on their own accord. I dont not wish to ever do business with the company just would like for my bureau to be clear of negative false information. Proof have been provided several times of the derogatory reporting as XX/XX/XXXX states that it is the bureaus reporting and notXX/XX/XXXX
Product: Credit card

Attempted to make monthly payment on credit card using XXXX app XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Process kept failing stating my card was expired/invalid. Attempted to pay online via website received same response. Called customer service and was able to finally make payment using the same card. Customer service rep informed me a {$30.00} late fee was applied to my account for paying it on XX/XX/XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit reporting agencies collect, retain, and distribute my personal and financial information, most of which is done without my explicit consent. Now one of these agencies has compromised the data of nearly every American adult. I should not have to pay a fee to freeze my credit, or an additional fee to thaw that freeze later. I would like governmental intervention to make freezing and thawing free.