23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Chase keeps letting people use my debit card and credit card and when I call theyre like are you sure it wasnt you? Like yes I bought locksmitting in another state while purchasing in California that day. This time they took {$120.00} and returned it to me. Later on they reversed it saying the company didnt receive the service. After they took {$120.00} from me? Chase had another time where someone was using my card for onlyfans as well. Even when I changed my credit card number, purchases still went through as well as the debit card.
Product: Debt collection

This complaint involves two things. The options would only let me choose one at a time.
I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX  Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached.
My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.
Product: Checking or savings account

XXXX XXXX Chase sent me {$900.00} offer for opening both checking and saving accounts. The email offer said the coupon code applied when I click " Open both accounts '' link, so I opened them by clicking it. In particular, during the opening process, there was no indication of the missing code, and they never asked me to manually enter the code either. So I assumed that the code was successfully applied. 

Then I satisfied all the activities they asked me to fulfill to get the {$900.00} bonus : 1 ) set-up direct deposit for checking account, which occurred XX/XX/XXXXXXXX XXXX ) deposit {$15000.00} for saving account. 

XXXX XXXX I contacted Chase because the first portion of the offer, which is {$300.00}, didn't take place yet although they said it would be deposited within 15 days. I had waited because I assumed that it might mean 15 " business days '' after the direct deposit occurred on XX/XX/XXXX. However, they said " on our record shows that this account is not eligible for cash bonus because there was no coupon code attached. Even if we will try to attach a code, you're account is no longer applicable for the bonus due to it's already more than 21 days old. '' I told them I exactly followed their instruction in the offer email, but they repeatedly said they were not able to fix this. I wanted to escalate this case but I didn't receive any solution from Chase yet.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate items on my credit report and I am requesting your assistance in getting them removed. The incorrect information are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving this matter with the credit reporting agencies directly. I have attached supporting documents to my letter for your reference, including correspondence with the credit reporting agencies. I believe this documents to my letter will demonstrate the errors made by the credit reporing agencies and support my request for the removal of the disputed items from my credit report. These are the following fraudulent items that are needs to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Prepaid card

XX/XX/2023 I called Bank Of America XXXX prepaid debit card customer service to inquire about a card I had never received after being approved for unemployment and was informed that someone had been using my account without my knowledge or authorization and about {$56000.00} roughly what stolen from my account and whoever was using my account, then filed claims to dispute the usage prior to XX/XX/XXXX. I have submitted both police reports and identity that report with the FTC. I have submitted my identification card, a photocopy, and the bank is still denying my claims saying I use the account or authorize somebody to use the account which is no idea somebody using the card or account they have not provided any ATM footage to show it with me. They say that the card I had told him I hadnt received was activated successfully with my credentials..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX ; MI XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$860.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In previous months, I requested correction of inaccurate information which another credit reporting agency found to be inaccurate and had updated. Due to lack of response of CREDIT BUREAUS, which I classify as frivolous, they have dishonored FCRA regulations and my request for verification. If they wish to correct this dishonor, I will give them XXXX more chance to correct their errors and update my records. Please update the account, XXXX XXXX XXXX Balance {$0.00} which XXXX, EQUIFAX and XXXX have failed to provide proper verification and another bureau has found to be inaccurate. You have XXXX days to CORRECT the account listed.
Product: Credit reporting or other personal consumer reports

This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft.

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) The information was blocked in error or a block was requested by the consumer in error ; ( B ) The information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

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

I purchased furniture from Ashley Furniture because I qualified for a store credit card and no one explained anything about " deferred credit ''. Instead this store credit card was presented as a traditional credit card by the sales people. I have made timely payments since I have had this account, but now Ashley has not only applied this " deferred credit '', but they have also reduced the credit limit. As a result of this reduction of credit and the application of this " deferred credit '', the account now reads that I am over the credit limit which will be a negative impact to my credit score. Had it been explained that the company would conduct business in such a way, I would have declined their offer.
Product: Credit reporting

I am current on my account with XXXX and have receipts to prove it and the company is showing my account is late and I 've missed a payment. I have spoken to the company but they have n't corrected their mistake
Product: Credit card or prepaid card

I have serveral accounts with Comenity back. Comenity Bank has ruin my credit. they keep lowering my credit limit and closing accounts. They say they are lowering my limits because of my credit Score is lowing. They Closed my Ann Taylor account. I have never paid it late and my credit limit went from {$1300.00} to {$100.00}. then they closed my account with out letting my know. And they made my score credit lower again. I got so upset I almost did not pay any of my bills instead I just changed all the payment dates so now I can calm down. I believe it should ne against the law to do some thing like that. They lower my Victoria Secret limited and it looks like I am over the credit limit because the lower my limit from {$1000.00} to {$900.00} my balance was XXXX. No they have done this to my XXXX credit card never paid late {$1500.00} to {$300.00}. this is making my debt to ratio over 90 % and lower my credit score.
Product: Credit reporting or other personal consumer reports

I have sent a lot of letters to XXXX, Equifax, and XXXX on the inaccurate accounts on my credit profile i have ask them in my letters to delete those inaccurate accounts and they did not do it. So looking to the CFPB for your help.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried several times to get these unauthorized hard inquiries removed from my report. I've been told by Equifax to contact the companies ( which I've done as well ) I have even tried calling to speak with someone about this and still nothing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card

We purchased tickets for a bus tour from XXXX XXXX on XX/XX/year> while on vacation. We paid XXXX, which came to {$120.00}. The company 's website and brochure advertised that they had live guides, which was important to us. The ticket agent from whom we bought the tickets ( and gave us the brochure ) also verified that they had live guides. However, once we were on the tour, that was not the case- they only had a poor-quality recording. An agent at the next stop told us to contact customer service for a refund, which I did the next day. I exchanged several emails with XXXX over the next week, but they refused to provide a refund even though they did not dispute the validity of my claim ( statement from them in an email included in documentation ). 

I finally resorted to disputing the charges on our Fidelity credit card and contacted Elan Financial Services ( who manages the Fidelity credit card ) on XX/XX/year>. Elan issued a provisional credit, but then reversed it on XX/XX/year> because they claimed I had not provided proof, even though I had faxed them 12 pages of documentation on XX/XX/year>, which was the deadline. After contacting them again on XX/XX/year>, they reinstated the provisional credit on XX/XX/year>. Then on XX/XX/year> they again reversed the provisional credit. On XX/XX/year>, I contacted them to find out why they reversed the credit and was told that " you received the services represented by the transaction, '' which is completely incorrect. We did NOT receive the services represented by the transaction- in fact that was the entire reason for the dispute! I requested that a manager in their Case Management department call me. Later on XX/XX/year>, I also faxed them a letter outlining what had taken place along with a copy of the brochure we received when we purchased the tickets, which also claimed that XXXX had live guides. I had to call them again on XX/XX/year> and yet again today ( XX/XX/year> ) before I finally talked to a manager in Case Management ( XXXX XXXX He just kept telling me that they were not " able '' to credit me since we went on the bus tour, which is absurd. If we hadn't gone on the tour, we wouldn't have known they didn't have live guides. Furthermore, we couldn't get off the bus once we were on it, unless we wanted to walk miles back to our hotel. After my call with him, we received a letter from them dated XX/XX/year> saying the same thing.
Product: Debt collection

I am in the process of applying for a Home Equity Loan. During the process it was discovered that there is a lien against my property in the amount of {$940.00} held by PORTFOLIO RECOVERY ASSOCIATES , LLC. I called the clerk 's office of my county and they advised that all they do is record liens. I then called PORTFOLIO RECOVERY ASSOCIATES , LLC and they could not locate an account associated with my social. I was transferred their legal department, I stayed on hold for a while and then they hung up on me. I then called the title company that ran the report and they're not sure what to say either. Also, the lien is held under a name I do not use. I was never notified of this debt, I am knowledgeable of my debts and this debt does not belong to me. This is threating my ability to receive the home equity line of credit and may result in other damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 written instructions.
Product: Debt collection

XXXX XXXX has been harassing me with calls. In addition, they have begun calling residences I no longer live at or affiliated with asking for me.
Product: Prepaid card

XX/XX/XXXX : received American Express ( " Amex '' ) {$200.00} virtual " eGift '' card in my email as a XXXX present from my parents. Upon receipt, activated and checked the balance online. Balance showed as {$200.00}. 

XX/XX/XXXX : tried to use the card at XXXX XXXX in XXXX, CA. Card was declined. Server came to our table to tell me about this. Felt embarrassed and dejected. 

XX/XX/XXXX : added the card successfully to XXXX XXXX on my phone. Tried to use the card to buy XXXX. Card was declined. Felt incredibly frustrated. 

XX/XX/XXXX : read about other users finding similar problems with the Amex gift card on XXXX and other sites. Read that some users had luck buying other gift cards for the same amount and then using those for purchases. Tried to use the Amex gift card at XXXX to buy an equivalent value gift card. Card was declined. 

XX/XX/XXXX : re-added the card to XXXX XXXX ( after removing previously ) and attempted to purchase an XXXX XXXX gift card. Card was declined. 

XX/XX/XXXX : called the Amex customer service number indicated on the gift card balance page. The balance page only shows a {$0.00} charge on the card from XXXX for a " pending transaction '' which as indicated above never went through. So it shows a {$190.00} balance remaining. The Amex customer service line offers options ( 1 ) for activating the card or checking a balance, ( 2 ) for declined transactions, and ( 3 ) frequently asked questions. There is no way to speak to a person about the problems I've had, or even to solve any problems specific to this card with an automated agent. I listened to all the recorded messages and tried calling back to see if pressing XXXX to get an agent would work or if there was any way to resolve the issue I was having. There was no way. I tried searching on XXXX for help from Amex in dealing with this issue- there was no other option. 

I'm separately an Amex credit card customer and am now considering canceling my relationship with the company as this is such a disappointing and frustrating experience. From research of other people having this issue online, it appears I'm far from alone in feeling duped and taken advantage of by American Express due to their XXXX card practices. 

I am eager to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I purchase a car from XXXX XXXX XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the lemon law. They increased what I owed and I never agreed to these terms.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Dispute Department po box XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information on Credit Report To Whom It May Concern, I am writing to dispute the accuracy of information being reported on my Experian credit file. The account in question is : Creditor Name : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX The account is listed as " charged off '' and written off for a higher amount than is accurate. I believe this information is incomplete or incorrect for the following reasons : 1 Incorrect Debt Amount : The amount reported does not reflect accurate information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, you are required to ensure that all information reported is accurate, complete, and verifiable.

2 Failure to Receive Form 1099-C : Per the Internal Revenue Code ( IRC ) 6050P, a creditor must issue a 1099-C form if a debt of {$600.00} or more is canceled or forgiven. If this account was written off as a " charge-off '' for the amount reported, I should have received a 1099-C from the creditor. Failure to provide this documentation raises questions about the legitimacy of the reported balance.

3 Potential Violation of Consumer Protection Laws : If the creditor reported inaccurate or unverifiable information, they may be in violation of the FCRA ( 15 U.S.C. 1681s-2 ), which requires creditors to provide accurate data to credit reporting agencies. I am requesting that Experian investigate this account under the guidelines of the FCRA. Please contact the creditor and require them to validate the accuracy of the information being reported. If the creditor can not provide proper validation or documentation, including proof that I received a 1099-C, I request that the account be removed from my credit file immediately.

In accordance with the FCRA, I expect this dispute to be resolved within 30 days. Please send me written confirmation of your findings, along with an updated copy of my credit report after your investigation. 
Thank you for your attention to this matter. I look forward to your timely response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX  XXXX, XXXX  XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX