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

I have 4 credit cards with Chase Bank. My first card was acquired in XXXX. I am a longtime customer and have always paid my credit card debt in a timely manner. Today - XX/XX/XXXX - I received a letter stating that " After careful consideration, we ( Chase ) closed your credit card accounts on XX/XX/XXXX, because our affiliate is ending their banking relationship with you. There was zero explanation as to why they were closing my accounts, merely the vague phrase " after careful consideration ''. What does that mean? I attempted to contact Chase via phone in order to get a fuller explanation for this sudden and seemingly arbitrary decision, however their agents are apparently not given any information they can share with me. I was informed that I could contact an " executive office representative '' via fax, or with a written email to a physical address. I have drafted and will be sending my letter tomorrow - a Saturday - so it won't arrive at this office until some time next week. 

I am very frustrated that given a decision of this magnitude, the bank is not legally obliged to explain the reasoning behind their action in detail. Moreover, I am angry that the decision was made to close my accounts a WEEK before the letter notifying me of this decision reached my home. There was no indication prior to this decision that there is anything amiss with any of my accounts. My FICO score is very good - I believe it was just raised to XXXX. I can only surmise that one of the following things happened : I was an identity theft victim stemming from the XXXX breach of XXXX. I had to put a freeze on my credit and that freeze is still in place. Maybe something to do with my credit freeze tripped an automated scan of my accounts? 
On that note - it's not clear who made the evaluation of my accounts that resulted in this decision. I received a response to a query I made via the Chase Online website 's secure email system, and the response had such poor grammar that I don't know the decision was legitimately made by any humans at all. 
Three of the four cards have debts on them that I have been paying off in a timely fashion. I have not been late on any payments. So where is the problem? 
I also recently informed Chase that I was rejecting their new arbitration terms that they have imposed on their credit card accounts. It is my understanding that accounts would NOT be closed if we sent them rejection letters. The president of the company stated this explicitly. I find it very suspicious that my rejection letters were drafted and sent to Chase on XX/XX/XXXX, and the notice that my accounts were closed was drafted on XX/XX/XXXX. If they closed my accounts based on my rejection of their new arbitration terms, is that not an illegal action? What are my rights as credit card user? 

I am attaching both a scan of the letter that Chase sent me, and my initial reply which I am sending to their XXXX Ohio office.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Transunion Credit Bureau stating they could not investigate what time was given to them from This Company. CFPB. Stating that they need additional 30 days. Consumer Financial Protection Bureau states time given. They are in Violation of you and Myself I filed the Claim with you against XXXX XXXX and XXXX XXXX on XXXX XXXX. These accounts need to be removed from my Credit Report. Transunion is not following the Law of FCRA
Product: Student loan

My repayment amount was increased without my awareness by 32 %. This was not within my means. I contacted creditor and they said they " would fix it by next month '', and they did nothing. The next month I withheld payment. They reported XXXX delinquencies ( XXXX for every loan, but it is XXXX debt, XXXX creditor ). It crashed my credit rating by XXXX points. I am trying to buy a house with a State administered down payment assistance program, and this will disqualify me ( will lose {$18000.00} ). 

They say I am in graduated repayment program, that they got my consent for years ago. If this is the case they need to give borrowers notice ( with acknowledgement ) so they can prepare. Their website is quite capable of this, and they are also capable of this with borrowers that pay by mail. When contacted for assistance they force you to consent to terms ( I 'm not sure of the it is a lot of rapid verbal fine print from a script ) before preceding, effectively forcing borrowers to surrender rights. It is the actions of a predatory lender. 

Student borrowers are often signing their first contracts in their lives. Many are not legally entitled to give consent and require a cosigner. It is sad to think their own government and those affiliated ( Universities, chancellors, textbook publishers, etc. ) are all seeking to exploit them. Borrower 's are already paying nearly 7 % more than prime rate, and these funds are coming directly from the government. There is no other entities the government lends to at such high rates.These children are being hoodwinked into paying off debts of previous generations with what should be their retirement funds, while cronies get rich. 

The government should not be engaged in predatory lending, and calling it " financial aid ''. Borrowers that are acting in good faith and repaying what they can, should not financially destroyed. 

I want the multiple delinquency reports ( my only derogatory notices ) removed from my credit report. I want FedLoan servicing to give 90 days notice, with borrower acknowledgement, before increasing a borrower 's agreed upon payments.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : After, going through an awful XXXX, and getting through some significant losses. Im in the process of repairing my credit. 
On XX/XX/year>, I continue to review my credit reports, I notice some things are incomplete and not accurate. For example, some instances of late payments on some accounts for which I have maintained in a timely manner. This information plays an important role in damaging my credit score.

In according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). 
I request a thorough investigation into these discrepancies. 

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

I recently tried to dispute some accounts that were on my credit report with XXXX XXXX, XXXX, and Equifax. I did so because there are collections on my report which I do not owe or are not mine. I still haven't heard anything from any of the credit bureaus. I read how you have taken a relaxed stance on the credit bureaus from doing their job. I placed the link below even though I know you are the ones who issued it so are ware of it. 

https : XXXX All I want is for the credit bureaus to do their job. They need to delete accounts that do not belong to me immediately and they need to do so without me having to  file complaints against them. Thank you.
Product: Checking or savings account

I received a mail letter from Chase bank on XX/XX/XXXX stating that they are closing my Chase checking account together with 4 Chase credit cards by XX/XX/XXXX. I called the number on the letter for a couple times but the customer representatives said they can't tell why my accounts are closed and they can't overturn the decision. I even waited for an hour to speak to a manager but his answers were the same. I had this Chase account since XXXX. This is my primary checking account. I use this account for direct deposit, mortgage, utility bills, tax returns, credit card bills, etc. I don't know what I did wrong on the account and I deserve an explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian stated a collections that XXXX XXXX fraudulently placed on my report has been removed from my credit history. I'm attaching a PDF document showing proof of Experian lying about removing this fraudulent collections from my credit report. 

Please note Experian 's below response to my previous complaint : " We have reviewed and considered the information you have supplied through the CFPB portal and directly to Experian. In your complaint, you indicated that a collection item ( s ) appears inaccurately in your credit report. You are requesting that the item ( s ) be deleted from your report. Upon researching your file, our records indicate that the referenced item ( s ) is currently not displaying in your credit report. '' Please hold Experian accountable for their lies and fraudulent activities. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not applied for the following accounts, I suspect identity theft 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: Debt collection

As this company states in complaint XXXX, they are just the servicer for Wells Fargo Bank ELT XXXX Trust. The state of Texas does not show this company has a surety bond on file, which is a violation of the Texas Finance Code.

Also, as they pointed out on the application provided in complaint XXXX.

Texas Finance code requires a surety bond for any company or their servicer to collect as they so frankly referenced, as permitted by law ( section F.34.F ). This is Texas states law. Their statement : " To clear up your questions, we offer you the following basic information about the loans XXXX  is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX To clear up your questions, we offer you the following basic information about the loans XXXX is servicing for you. Your consolidated student loan is owed to Wells Fargo Bank Elt XXXX   Trust. Your account number is XXXX ''.

This company continues to violate the Texas Finance Code by not providing a surety bond for nelnet and/or their client, Wells Fargo Bank ELT XXXX Trust. As such, I am seeking legal advise from XXXX XXXX XXXX XXXX to legally pursue this matter further. The finance code is very specific and both companies continue to violate it. This company has repeatedly failed to provided their right to lawfully collect in the state of XXXX. They are required to get a surety bond. No one had provided this which is required under the Texas Finance code. I will continue to file a complaint until this is removed from my credit or this company proves they are legally authorized to collect in this state. Texas Finance Code 392.202 and 392.101 This company is headquartered in the state of XXXX. I am a XXXX   resident. This company is fraudulent and illegally collecting in the state of XXXX. I also do not show this credit bureau has a valid surety bond to collect in the state of XXXX. XXXX hasn't produced info. I want this removed from my report immediately. I want the {$10000.00} fee paid for each day this continues to remain on my report per the code. I have failed a complaint with the XXXX   Attorney General 's office. Attached is the complaint for both companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a credit application with Mercedes Benz of XXXX for an auto lease which I was well qualified for and received, however, shortly after receiving the vehicle I received a notification from one of my credit cards that also does credit monitoring that there was a change to my credit report. When I investigated further I saw that the dealership had done a hard pull of my credit EIGHT times. As a result my credit score dropped over 30 points. I immediately contacted my sales representative with a detailed accounting of what occurred including a screenshot of the problem and asked for him to have his financial manager contact me immediately. Instead the salesman text messaged my husband ( who was not even on the loan ) to tell him they were working on it. A week later my husband reached out to the salesman for an update as we had not heard anything. His response was they were still working on it. A week after that I wrote another very direct email to the salesman asking for them to contact me only and letting them know I would be taking harsher measures if I did not receive a communication from them as to what was happening to rectify the continued pulls to my credit. I received an email back and call from the salesman followed by a call from their credit manager stating they were working on the problem which seemed to be some glitch in their automated system that kept putting my information back into the system for a credit check. He told me it might take months for them to get it rectified with the credit agency. I told him that was completely unacceptable and I expected it would be rectified in a matter of days. I never received any more communications after even though I have emailed 2 more times asking for an update. I also called Mercedes-Benz Financial Services directly and they were unable to assist me as they were unaware of why this issue was occurring. It has now been a full month and I continue to receive emails from the automated system at Mercedes Benz of XXXX that show I am still in this loop in their system that is causing my credit to be pulled over and over.
Product: Debt collection

I've written this company back in XXXX of XXXX asking them to provide me with documentation about this debt and they have not provided me with any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this with XXXX XXXX and equifax but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but XXXX XXXX/equifax refuse to allow me to dispute again.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account number : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. In accordance with the Fair Credit Reporting Act, Equifax has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. 15 U.S C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus on XX/XX/XXXX, requesng the Credit Bureaus to invesigate and remove the accounts and informatiojn being reported on my Credit File that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the Credit Bureaus are required to remove any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaints & I am including it again. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX, XXXX, XXXX XXXX, TX, undefined XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Unpaid Balance {$3000.00} XXXX XXXX XXXX XXXX Unpaid Balance {$2200.00} XXXX XXXX XXXX XXXX Unpaid Balance {$760.00} XXXX XXXX Unpaid Balance {$0.00} Bankruptcy XXXX  XXXX Dismissed Docket Identifier 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 XXXXXX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. While I am uncertain about the exact nature of these unauthorized accounts and information, I trust that you will conduct a thorough investigation to determine their legitimacy.
Product: Credit reporting or other personal consumer reports

I was not given the option to opt out of the third-party having my personal information. The law states that in order for you to get my consent to share my information with a third-party you also have to provide me with a Option to opt out of a third-party having my information. Third parties like Experian. The law I am referring to is 15 usc 6802 ( b ) obligations with respect to disclosure of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020. XXXX XXXX disputed data on my transunion report which said I was an authorized user for an account ( card number doesnt even exist under the person who owns the account ). We are assuming they are talking about a different card based on the available credit and other information. We contacted XXXX who should have removed me years ago but didnt. They removed me from all associated accounts and said they will tell this to any credit bureaus. Transunion said they called and they said XXXX wouldnt give that info. We called XXXX and the manager said this makes no sense and sent us an email saying i was removed which we forwarded to transunion. Transunion ignored the email and closed the dispute. We opened it back up and I heard nothing. I went to their site to make a personal dispute ( previous was done by third party XXXX ). Their dispute for credit cards page does not work and has apparently been down for a year. You can not dispute online. See others complaining online via the link i shared. We have closed the credit card due to issues but not sure if was ever removed or can be removed from my record. XXXX has been in my experience horrible at reporting proper updates to the bureaus and transunion is not taking disputes seriously or investigating at all XXXX XXXX XXXX
Product: Credit card

Paypal is reporting inaccurate information on my credit report as to late payments from a credit card I had with them which is negatively effecting my credit. I have tried to dispute via the credit agencies in which Paypal is ignoring. I even contacted Paypal but they have yet to make any changes as they are looking into it. This is for a credit card that had a credit limit of {$500.00} and was opened in XXXX.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I have made repeated attemptsby phone, mail, and written responsesto resolve inaccurate information on my credit report with XXXX, XXXX, and Experian. Despite my efforts, they continue to report inaccurate details on several accounts. 

One account I have specifically disputed is with XXXX XXXX XXXX. XXXX, for instance, is not reporting any record of my last payment. For the information to be accurate, all aspects of the account must be fully and correctly reflected on my credit report. As of XXXX latest report on XX/XX/XXXX, there is still no update regarding my last payment. In this case, the account should either be updated with accurate information or removed entirely. 

Experian is similarly reporting inaccuracies on this same account, listing the last payment date as XX/XX/XXXX, with a last report date of XX/XX/XXXX. This information is inconsistent with both XXXX and XXXX. According to the Fair Credit Reporting Act ( FCRA ), credit reports must reflect 100 % accurate information. Incomplete or inconsistent reporting violates this standard. 

Additionally, there are other accounts on my credit reportsuch as those with XXXX, XXXX XXXX, and XXXX  XXXX  XXXX are also inaccurately reported across all three credit bureaus. I have contacted XXXX, XXXX, and Experian multiple times since XX/XX/XXXX to request thorough re-investigations into the accuracy of these accounts. Unfortunately, none of the bureaus have taken the appropriate steps to address these issues. 

These reporting inaccuracies are negatively impacting my financial well-being. The failure of all three credit bureaus to adequately investigate and correct these discrepancies is a direct violation of my legal rights under the FCRA. This negligence on their part not only undermines my financial standing but also demonstrates a broader pattern of disregard for consumers in similar situations. I demand immediate attention and correction of these inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

SO I FAXED SOME INFORMATION TO EQUIFAX BACK IN XX/XX/2021 AND THEY STILL HAVE NOT RESPODED. IT HAS BEEN ALMOST 3 MONTHS AND STILL NOTHING HAD BEEN DONE ABOUT THESE FRAUDULENT INQUIRIES ON MY CREDIT REPORT. I CALLED LAST MONTH AND SPOKE WITH A REP AND THE CALL WAS DISCONNECTED IN ABOUT 20 MINS INTO THE CALL HE PUT ME ON HOLD AND NEVER CAME BACK TO THE PHONE ( VERY UNPROFESSIONAL ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX*Balance : {$170.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX Balance : {$1000.00}