23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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: Debt collection

I was living with my parents about 8years ago and we moved into an apartment together. I moved out 6 years ago and turned over the paperwork that I moved out and my parents would be only people living at that residence. 2 years after I moved out my parents fell on hard times and unfortunately could n't afford the XXXX bedroom rent at this complex. They were XXXX from this place for back rent owed. I was unaware at that time that this company never removed me from the leasing agreement as the old complex manager left the company and never forwarded the paperwork to the office ( or did ) I do n't know. I saw on my credit report that they are going after me for this debt in which i was n't living at this location and had a new contract for several years with my current landlord. I called Rent Recover a couple years back to get this taken care of and sent them my current leasing agreement, etc. They never contacted me back and I did n't think anything about it until recently when I 'm trying to get a mortgage for a house. This is still on my credit report. I contacted Rent Recovery several times ( XXXX ) and spoke to a XXXX XXXX who stated that their is n't much they can do except for me to pay the balance with interest. I reached out to the old leasing company as well and they wo n't do anything either. I am not sure if they never received the information that I was n't living at this residence or had knowledge and decided to ignore it and seek payment from anyone. Rent Recovered refused today XXXX/XXXX/15 to release the validity of the debt to me and would no longer help me unless I pay the balance. One thing I left out, they removed the collection from my credit report on XXXX/XXXX/15 and reissued it on XXXX/XXXX/15 as a new debt with c/o owners on it. I have that documentation. I confronted them about it today and he pushed it off as a mistake by the credit report agency. I 'm stuck between a rock and a hard place and do n't know what my rights are and where should I go from here. Could you help me or direct me to someone who could help?
Product: Debt collection

Company with the name of XXXX XXXX its trying to collect a debt that I do not own I sent a writing notice about moving out of apartment and I also subject and look for tenants as the contract said but they refused to submitted proof of validation of the debt and still decided to report it to all 3 credit reporting agency asking for a debt that I do not own as i made all my paymnets on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  account # 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 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 the a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

We canceled our card with Chase back in XX/XX/XXXX. We had a XXXX balance from XX/XX/XXXX statement all the way through to our XXXX statement where they put a yearly fee of {$49.00} on the account. I immediately contacted them via their website on XX/XX/XXXX at XXXXXXXX XXXX that this account should have been closed by them months ago and to remove the yearly fee. On XX/XX/XXXX at XXXXXXXX XXXX  they responded. Part of the letter they sent through the message board on their website was " We closed your account, as you requested. We'll refund your account. '' I just received the new statement for XX/XX/XXXXXXXX XXXX XXXX. The refund shows ( dated XX/XX/XXXX ). There is a notice on this statement that says, " Your account is closed and no longer available for use. '' This tells me that they accept that the account was closed when the yearly fee was posted on XX/XX/XXXX. However, there was also a CHARGE from XXXX dated XX/XX/XXXX ( posted XX/XX/XXXX )! 
I called them and said that if the account was closed then they should not have accepted the charge from XXXX for the amount of {$210.00}. In other words, the error is by Chase. They told me that I had to go to XXXX  and have them reverse the charge and charge my other card ( not a Chase card ). I told them that this was not my mistake and their website gives me the option to dispute the charge based on the fact, in my mind, that it is their error. Later, I contacted XXXX. They agreed with me that if they reverse the charge it will automatically cancel my subscription! They also said that if Chase reverses it, their computer will automatically charge the other card on file. No harm done to the subscription. 
This morning, I was alerted that there was a new letter from Chase on the website. Chase 's system does not have the option for the refund for Chase 's error so they coded it as that I " believed the merchant didn't provide the services... purchased ''. 
Therefore, when they went to verify it came up that I DID receive their services and they declined the dispute. 

I would like to know if there is any way to make Chase fix their mistake and clear this charge from my closed account.
Product: Credit card

My dog had to undergo emergency surgery last year. To finance it, I opened up their recommended CareCredit account with Synchony bank - first year 0 % financing. I made my payments throughtout the year, realizing that I needed to do something with the remaining XXXX balance now. I pulled up account - they just added a XXXX interest charge!! I realize that this is probably in their fine print, but this is grossly taking advantage of people who can least afford it at a time when we can least afford it. I 'm good for my debts, but this is ridiculous.
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : 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 

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 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: Prepaid card

I requested a refund for {$340.00} and the refund was honored by XXXX XXXX, and the financial institution did not put the money on the card. XXXX refunded the money numerous times. XXXX sent me an email stating their position on the matter at which time I was asked to read it for one of the representatives named XXXX at Direct Express which she decided to escalate my claim by sending it to escalations department at which time she said it would take 72 hours to receive and review and then it would take another 5 days for me to get my money back on the card.so I waited for all the those days to recede and then I checked my account and there was nothing in it. So, I called the bank back again and I was told by the supervisor that escalations department rejected my claim after 4 days, I don't think my claim was ever reviewed. XXXX says that they don't have my money because it was sent back to the bank and that the bank will roll the money over to the new card. Now the bank is telling me that I need to contact XXXX and tell them to do a forced post credit and yet nobody has my money. please I really need your help with resolving this matter because I need my money back immediately. The cost of living is sky high and my XXXX year- old is always in need and he deserves whatever he wants. The bank lied about giving me a credit after I filled out the paperwork that they sent me and sent the papers back within ten days after I got them. I told the bank when I received the documents, and they didn't care they just dismissed my claim without knowing what the situation was with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent totally inaccurate information to someone I applied for credit through ( Universal Credit ). 
This is what they said : Lack of recent installment loan information. No recent revolving balances. No recent bank/national revolving balances. Length of time accounts have been established.

I had a car loan in the last three years now paid off, a personal loan two and a half years ago now paid off, credit cards balances, a credit line I have had for well over ten years, and credit card [ with a $ XXXX limit ) for over eight years, and a history of decades of consistent on time payments. 
The last time I checked my credit line I was XXXX points shy of hitting the ceiling. 
If I am given the opportunity, I will attach a copy of the credit report I just downloaded from XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Comenity Bank regarding my Lane Bryant credit card about a notice I received stating my account had a past due balance of $ XXXX.I knew this was an error because I have monthly auto payments set up through my bank that always post before the XXXX of the month due date, and nothing hadchanged with this set up. 

I looked at my Lane Bryant account before I called customer service and saw that not only had no payments posted since XXXX, I had been charged several late fees and extra interest too.I then saw in mybank account that XXXX, XXXX, XXXX and XXXX 's payments had all been posted- I had cashed checks as proof. But I noticed that a few of the checks cleared much later than usual. 

When I called Lane Bryant Customer Service about these issues, I was notified that the mailing address for the payment processingcenter had changed and that this was probably the reason for the issues I was having with missed payments. I was never notified of this address change. The customer service agent told me I never would have known about it unless I looked at my statement online and saw the new address that was printed on it. I was then told the only way to resolve this was topost a message in the online messaging center about the issue and attach copies of the cancelled checks. And so I did, on XXXX. 

The four missed payments of {$65.00} finally posted to my credit card account yesterday - nearly a month after I first contacted Comenity about this issue. I suspect this is because I issued a complaint through the XXXX XXXX XXXX  They also reimburseda {$35.00} late fee and {$5.00} in finance charges/interest. 
Unfortunately, the following issues still remain : 1. LATE FEES : Overall I accrued {$180.00} in late fees because of Comenity'serrors : XXXX XXXX XXXX$29.00}, XXXX XXXX  $ XXXX - {$40.00}, XXXX - {$40.00}, XXXX - {$40.00}. 

- My XXXX payment was posted to my Lane Bryant account on XXXX, yet I was still charged a late fee of {$40.00} on XXXX 
- Comenity still needs to reimburse me for the remaining {$140.00} in late fees that are still on my account balance. 

2. EXTRA INTEREST : According to the 26.9 % interest rate, I did a basic calculation ( {$180.00} [ late fees ] + {$260.00} [ misposted payments ] to come up with the {$110.00} in extra interest that has been applied to my account as a result of customer service 's errors. I realize this calculation may not be accurate, but the interest I need to be reimbursed for is definitely a lot more than {$5.00}. 

3. CREDIT SCORE IMPACT : I am concerned that this situation may impact my credit score - if the false past due status of my account have been reported to credit bureaus, it must be corrected. And I will need it in writing that it has, if necessary. 

To date, I have contacted customer service three times and have written numerous letters through the online messaging center about these issues. Yesterday, I was told by customer service that I can not be reimbursed for more than {$35.00} in late fees. When I asked to be transferred to a supervisor, I was disconnected. My call has been disconnected every timeI call customer service.
Product: Debt collection

Just started looking at my credit recently, and noticed there is a medical bill that i have no idea where it came from, i havent been to the doctors in over 15 years, Never Broke a Bone or Been Sick in Past 15 Years or So I'm not sure what this Bill is about When I XXXX the Company, it has nothing but 1 Star Bad Reviews, and there are hundreds of lawsuits against them for not Updating Credit that it has been Paid or Removed like agreed So i think it's a Scam Company Please Look into it and Let me know what i Need to do to get this Removed Thanks XXXX You've paid off -65 % of your collection amount. 
Balance {$10000.00} Highest Balance {$6300.00} Opened XX/XX/2011 ( 6 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX HOSPITAL DISPUTE AN ERROR Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX heres there reviews You'll see People had to take that to court and there XXXX reviews can be  found by XXXX searching XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX
Product: Debt collection

I sent XXXX several letters. via certified mail. Today I received a leter stating that they will not investigate my dispute. 
Despite five written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your investigations, you stated in writing that you verified that these items are being reported correctly.. I have sent repeated letters to XXXX and they have not responded. Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

The above letter was sent to XXXX  certified mail Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information being reported on my credit report. In particular, the following items are incorrect and are adversely affecting my credit score : 1. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my Transunion account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

2. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

3. Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

4. Account Name : XXXX XXXX Account Number : XXXX Reason : This account is reporting inaccurately in my credit report. I recently checked my credit report and Its only reporting on my XXXX account. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

INQUIRIES 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. 
Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

Aspire knows I made payments in XXXX and XXXX for XXXX the argument was no credit impact. I tried to dispute this. I gave the confirmation payment number. I spoke to XXXX with aspire at XXXX at there cumster service number at XXXX. There still reporting it late and over. I can provide bank statements. If needed.
Product: Checking or savings account

On XX/XX/XXXX a company called XXXX deducted 6 fraudulent transactions from my account ; 3 charges of {$120.00} and 3 charges of {$490.00} totaling {$1800.00}, for a company called XXXX. XXXX is a company that you can use when shopping online. They partner with online retail stores and allow you to break up your payments at check out, instead of paying one lump sum. I've used XXXX in the past when making purchases through XXXX XXXX XXXX. They have your debit card on file to deduct the weekly payments from your account. When I found the charges on my account I immediately contacted XXXX and disputed them. Within a few days they refunded the 3 charges of {$120.00}, but I've been unsuccessful in getting the other 3 charges back. I have reached out to them numerous times, requesting calls from supervisors, but have failed to receive a call back. I've been told by the reps through the chat option that the charges have been marked as non authorized. One rep then advised me they did not see that I was charged the 3 charges of {$490.00}. I've sent screenshots to them for proof, but still no refund. I filed disputes with my bank ( PNC Bank ), on XX/XX/XXXX and around XX/XX/XXXX, and they denied the disputes, because I have done previous business with XXXX. Today I reached out to XXXX via email and was advised that I need to reach out to my bank and file a dispute. I have also filed a dispute with the XXXX  for XXXX, and they ( XXXX XXXX replied stating that the dispute is still open and they can not refund the money until the merchant XXXX XXXX XXXX has refunded them. So they will not refund me until XXXX had refunded them. No one is taking accountability for this. I have never heard of XXXX, prior to this, nor have I ever done any sort of business with them. I am at a total loss and feel robbed of {$1500.00}. Please help!
Product: Checking or savings account

On XX/XX/XXXX HSBC bank at the behest of XXXX XXXX XXXX XXXX XXXX has completely frozen my account. According to The Exempt Income Protection Act of 2009 If any funds are restrained, the bank, within two business days after receipt of the restraining notice or execution, exemption notice and exemption claim forms, must serve upon the account holder the exemption notice and two exemption claim forms by first class mail to the account holders last known address. The exemption notice explains to the account holder that the account has been restrained, that certain types of funds are exempt and the procedures for releasing an account, including the types of documents that will be helpful in demonstrating the existence of statutorily exempt funds. 

As of XX/XX/XXXX such documentation has not been provided to me. 

More importantly the first {$XXXX} in an account can not be frozen. 

The new law creates a {$XXXX} cushion for debtors who don't receive government benefits or assistance. In particular, the law prohibits banks from executing, levying, attaching, garnishing, encumbering or restraining an amount equal to or less than 240 times the federal or state minimum wage, which ever is greater, except to the extent a court determines is not necessary for the reasonable requirements of the judgment debtor and his or her dependents. The amount of this exemption is currently {$XXXX} but is scheduled to rise to {$XXXX} on XX/XX/XXXX and in accordance with the minimum wage thereafter. 

If a restraint was placed illegally it can not be enforced. 

Banks may not charge the account holder a fee if it is served with a restraining notice and the bank account can not be lawfully restrained OR IF THE RESTRAINT IS PLACED ON THE ACCOUNT IN VIOLATION OF THE LAW. 

https : //www.dfs.ny.gov/legal/industry/il090120.htm