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

These problems has been continuing for several months due to which we stop using this card ( shop your way card ). They are continuously charging us for nothing. sometimes they charged for ineligible interest charges, fees for nothing and money transfers. Last time they charged us for 3 times listed below. we talk to the merchant ( XXXX ) they told us that they charged nothing like that except monthly payment. 
unauthorized charges : ( 1 ) XXXX : on behalf of XXXX  internet ; amount of {$220.00} ( 2 ) XXXX : on behalf of XXXX internet ; amount of {$290.00} ( 3 ) XXXX : balance transfer ; amount of {$220.00} Even we contacted them on XXXX to remove the above two charges and to close the account right now for which the billing lady had agreed but on the very next day ( XXXX ) they again charged us Balance transfer instead of removing previous charges and closing of account. Please keep in mind that we are not using this credit card for anything for last few months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Car Repossession - Unauthorized Debt Acquisition - Violation of 15 U.S. Code 1681b ( a ) ( 2 ) Dear XXXX, I am writing to formally dispute a repossession listed on my credit report related to an account with XXXX XXXX XXXX account number XXXX, with a reported repossession date of XX/XX/XXXX. 

It has come to my attention that XXXX XXXX acquired this debt from American Car Center without my knowledge or permission. Under 15 U.S. Code 1681b ( a ) ( 2 ), my credit report information can only be accessed or reported when there is a permissible purpose, such as my explicit authorization or another valid legal reason. 

I did not sign or authorize any agreement allowing XXXX XXXX to purchase or assume this debt. Therefore, I believe the inclusion of this account on my credit report is inaccurate and potentially unlawful. 

I am requesting verification of the accuracy of this repossession entry, including proof of my authorization allowing XXXX XXXX to acquire this debt. If the debt transfer or reporting can not be validated, I request immediate removal of this account from my credit report. 

As outlined by the Fair Credit Reporting Act ( FCRA ), I expect the results of your investigation and a resolution within 30 days. To assist in your investigation, I have enclosed a copy of my credit report showing the disputed item, along with any relevant documents, such as correspondence with American Car Center. I have also included a copy of my identification for verification purposes. 

If further information is required, please contact me directly at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Ive had a CHIME account for over a year now with no problems. Two weeks ago, they requested my driver 's license and a w-9 because the IRS couldn't verify my information. I gave it to them. They sent me this email 4 times. I complied. I then called CHIME to verify. I was told the emails didn't come from them. Two days ago, I got a notification that there was suspicious activity on my account, and to check my email for further action. It was the same email asking for my driver 's license and w-9. I have called five times, and they say i will get another email. All of the emails are the same. I have them all saved and can provide them if neccessary. I also let them know that i was recording the phone calls for my own purposes. I have a gentleman saying that they actually DID verify my information, and the reason they haven't unlocked my account is because the company is dealing with heavy workloads right now. I got notifications from XXXX and XXXX that my CHIME has been disconnected from both. I lost over XXXX dollars. This isn't right.
Product: Vehicle loan or lease

My car was totaled on XX/XX/2020 by XXXX XXXX in XXXX. My lien holders are JD Byrider in XXXX XXXX, IA. I want to make it clear this is the worst decision I made in my life dealing with these people. Since my car has been totaled, NOBODY is letting me know whats going on, Byrider is refusing to let me speak to their insurance. This is a mess because I have NO CAR, and when I called to ask what is going on after finding out some questionable information from XXXX, its like they couldnt tell me. Ive had so many issues with Byrider, I honestly feel theyve discriminated against me on multiple occasions. Their representative either XXXX or XXXX belittled be saying youve owed XXXX money since XXXX which was very rude. I am the consumer and should no way shape or form be treated the way I have in the 2 years of dealing with these people. Something needs to be done, I am done dismissing my cases with them because I feel like I am not being heard.
Product: Credit reporting

Experian continues to negate the facts of FCRA laws. I have asked countless times for inaccurate information on my credit file be investigated and shown proof per FCRA how they verified said account information. Simply telling a consumer that an account is verified does not show me how they came to this conclusion. Per the FCRA I want to be given the proof that I 've requested. The credit report I received does not show me anything but the words " verified, '' which is not what I asked for.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that XXXX will Investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate. XXXX  Account Number XXXX Reported on XX/XX/year>
Product: Debt collection

I requested that Portfolio Recovery provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
Product: Credit card or prepaid card

On XX/XX/2019 around XXXX XXXX i swiped card at XXXX XXXX for the amount of XXXX $ the transaction went threw but the cashier state 's that it was declined. I tried transaction 2 more times when i got alert on phone showing that it had gone threw but the transaction amount was XXXX and showed my account balance now at XXXX. Ive contacted my card and they say they have to wait for XXXX XXXX to refund and XXXX XXXX is saying they dont show tbe transaction at all in system. But its on my card history as a negative charge like all my other purchases. I need my XXXX back in my account and no one seems to want to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I sent a letter asking TransUnion to validate two debts ( two separate letters ) for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking them to provide me with the ORINGINAL contract and my signature within 30 days. They sent me a letter today, XX/XX/XXXX - 8 days too late, with no original contract or signature " validating '' the debt. This is illegal and outrageous!
Product: Debt collection

I wrote the debt collector a letter to dispute the charges based on my dentist lying to me about when the procedure was necessary. They originally stated that my balance was {$670.00} upon receiving the debt verification invoice from them they stated the correct total of {$530.00}.
Product: Debt collection

To whom this company This company has lied on XXXX stated they placed my name in collections I've talked to XXXX they stated this is a fraudulent collection agency .. they have no right to be sending collections letters to me. The company name that sending me collections letters { WWW.ICSYSTEM.COM.COM }. location. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX. # XXXX reference # XXXX {$310.00} the amount the are placing on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trying to get a mortgage, but because of the way it's being reported I keep getting refused. My house is sold so I need to get a mortgage or I'll be out in the street, without a home. I'm a XXXX person and my husband was a XXXX vet. ( he's passed away ). It needs to be reported as an installment loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX  XXXX XXXX Date Opened : XX/XX/2018 Balance : {$19000.00}
Product: Credit reporting or other personal consumer reports

There are hard inquiries on my credit I have no acknowledgement of it I did not give permission for them to check my credit
Product: Debt collection

I have sent Congress Collection a cease and desist letter and they refused to stop calling i having gotten several calls since i sent them the cease and desist letter.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, have 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: Credit reporting 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 USA 1681. The accounts below have violated mi rights. 15 u.s.e 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 tem of information, other than records of convictions of crimes which antedates the report by more than seven ycars. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furish 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 inaceurate. 
Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Over the past three years, I have repeatedly tried to get my ex-husband, XXXX XXXX, removed from my checking/debit account and my credit card account through PNC Bank. I opened this account and credit line as a single individual, and at no time, listed him as part of the account or listed him as an emergency contact. For some reason, PNC has been unable to explain why he has been linked to my accounts. 

Over the past three years, XXXX XXXX has received account notifications as well as account alerts when there is suspected fraud ( i.e., if I am traveling out of the country ). At each occurrence ( the last at the end of XXXX and is noted on my account records at PNC ), I have contacted PNC Bank and they assure me that his name and access has been removed, but then I find out he has been contacted again by PNC regarding " fraud '' on my account -- which also gives him PRIVATE information regarding financial transactions as well as my locations. 

This occurred again today, XX/XX/XXXX. He was called by PNC regarding a " Fraudulent Purchase '' on my debit card. When I contacted PNC, they stated they saw that I had called in XXXX regarding the same issue, but " nobody followed through on making sure it had been dealt with. '' And then stated it appeared he had access via my ONLINE banking. 

Again, I have NEVER linked his name to this account. I have NEVER granted him access to my account. I have NEVER agreed that he should receive PRIVATE information regarding my account. 

I need action taken immediately on this and I believe I should be given financial compensation for illegal sharing of my private banking information. My divorce was not amicable, and I have no idea how much of my financial information my ex-husband has been able to access.
Product: Debt collection

On XX/XX/XXXX, I was notified of a debt that was supposed to had been reported on XX/XX/XXXX from a XXXX XXXX  alert for a debt of {$250.00} from Spring Oaks Capital LLC. The account number was not specified on XXXX XXXX but the original debtor is XXXX XXXX XXXX XXXX. I am pretty sure the account is from XXXX XXXX. XXXX XXXX is reported to XXXX by XXXX XXXX XXXX later purchased by Spring Oaks. The balance is shown as {$700.00} opened on XX/XX/XXXX with account number ending in XXXX. Several debt collection companies have contacted me about this debt & I told each and everyone I did not authorize the opening accounts and/of transactions associated with it. 
I received a letter dated XX/XX/XXXX with further details on this account # XXXX from XXXX XXXX XXXX initiated by identity theft after I called last week to notify the company of my denial of this account. This is my second time initiating this fraud investigation and I received an identical investigation decision account ending in # XXXX. I am ready to be relieved of a debt not owned by myself. 
I am writing this report as a statement in writing that this account has been fraudulently opened without my consent. I am very much not responsible for this debt. I am willing to prosecute whoever is found to have initiated this card fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Removed Things From Account Which should have removed all of the deragragotory information still showing and I'm Seeing That They aren't providing the correct credit score either and I just got an adverse letter from Meritze. Nothing In Meritze Letter aligns up with what XXXX is Showing me in my account. 

My XXXX Score is XXXX as of XX/XX/2023 In Adverse Letter From Meritze It says they pulled my credit on XX/XX/2023 and my score is : XXXX as of XX/XX/2023 So why does XXXX XXXX show one score in my XXXX account on my credit report dated XX/XX/2023. 

And another score with totally different score of XXXX and all my old negative account information on Meritze Adverse Letter of Denial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy went to get a van in XX/XX/2015. I had been paying on the vehicle for over a year and XXXX XXXX did not report one payment made. I came to find out that they put on our credit in the same month we purchased, that the account was in default. We told them they said it was nothing they could do, but kept wanting us to pay. We gave the vehicle back because they refused to fix this issue of reporting to the bureaus. Now they want to post on our credit a repossession. We have emails and proof from past credit reports pulled of their postings
Product: Checking or savings account

According to The Expedited Funds Availability Act ( EFAA ) there are only XXXX main types of deposit hold types are statutory, large deposit, new account, and exception holds. Neither of those deposit hold types are relating to my situation. On XX/XX/XXXX I deposited a check at the atm in the amount of {$2500.00}. The check was made out to me and my landlord. After I deposited the check at the atm it was deposited into my bank account and put on hold due to a dual signature which would be me and my landlord, I only signed the check. The funds has been on hold for over a year. Under the permanent availability schedule, which became effective in XX/XX/XXXX, local check deposits must be made available no later than the second business day following the day on which the funds were deposited ( See Figure 1 ). Funds deposited at nonproprietary ATMs, including cash and all checks, must be made available no later than the XXXX business day following the banking day on which they were deposited.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE To whom it may concern Im writing to formally dispute the alleged debt referenced by your office and to notify you of violations within the fdcpa related to your collection activities. This notice also serves as a pre arbitration notice referencing the arbitration clause contained in the original agreement with the alleged original creditor. 
XXXX the credit bureau has engaged in practices violating several provisions under the fdcpa XXXX will not removed the said accounts upon me notifying them along with an ftc report sent to them by the consumer financial protection bureau XXXX, XXXX, & Equifax has caused undo distress The inconsistencys violates the accuracy requirements of 15 usc sec 1681e ( b ) which obligates credit reporting agencies to maintain accurate & up to date records In pursuant to 15 USC 1692.K It is XXXX XXXXXXXX violation in pursuant to the fdcpa failure to validate the debt you have not provided proper validation of the debt as required by the fdcpa in pursuant to 15USC 1692G false or misleading representation in pursuant to 15USC 1692E your actions have included false claims about the nature and the status of the alleged debt should this matter proceed to arbitration the cost wil be substantial based on the consumer arbitration fee schedule from XXXX the breakdown of the cost to your firm will incur includes but not limited to the filing fee which can be anywhere from XXXX to XXXX XXXX filing fee masss arbitrator can range from XXXX to XXXX per case case management fee XXXX for a single arbitrator or XXXX for 3 arbitrators arbitrator compensation XXXX for a desk/ documentation only arbitration or XXXX in a persons hearing the hearing fee XXXX in addition to room rental fees if required these expenses combined with a potential additional legal fees will amount to tens of thousands of dollars far exceeding the alleged debt values furthermore if arbitration is initiated all cost as outlined by the XXXX website will fall upon your firm
Product: Credit card or prepaid card

EVERY TIME I TRY TO USE MY DEBIT CARD AS CREDIT AT ANY XXXX STORE CHASE CONSTANTLY STOPS ME AND WHEN I ASK FOR AN EXPLANATION IT IS A DIFFERENT EXCUSE EVERY TIME ALONG WITH THE EXCUSE THAT THEY COULD NOT READ THE CHIP ON MY CARD OF WHICH IS A BUNCH OF LIES. ON XX/XX/2020 I TRIED TO CHARGE {$400.00} AT XXXX IN XXXX NY BUT I WAS DENIED 2 TIMES. I THEN PAID MY PURCHASE WITH A CHECK. LATER ON I WENT INTO THE BRANCH ON XXXX XXXX XXXX S/W WITH XXXX WHO CALLED I GUESS THE BACK OFFICE WHO INFORMED HIM THAT I GOT DENIED BEING I HAD NOT USED MY CARD AT THE XXXX STORE FOR SEVERAL MONTHS OF WHICH AGAIN JUST DIDN ; T SHOCK ME BEING I HAVE BEEN GIVEN THIS SAME EXCUSE BEFORE. I REC 'D A CALL FROM CHASE LAST MONTH FROM RECORDED LINE OF WHICH I REFUSED TO ACCEPT UNLESS THE CALL CAME FROM AN UNRECORDED LINE OF WHICH NEVER TOOK PLACE EVEN THOUGH I WAS PROMISED I WOULD. I THEN REC 'D VOICE MAIL MESSAGE FROM XXXX WHOM I CALLED LEFT MESSAGE ON HIS VOICE MAIL TELLING NOT TO CALL ME FROM ARECORDED LINE. HE CALLED ME BACK FROM A RECORDED LINE FOR WHICH I REFUSED TO ACCEPT AND HIS STUPID ANSWER WAS TO GO INTO A BRANCH. I INFORMED HIM WHEN THIS MEDICAL EMERGENCY IS OVER I WOULD TAKE LEGAL ACTIONA GAINST THE BANK AND WITH THAT I HUNG UP THE PHONE REALLY ANGRY. TODAY I REC 'D A LETTER FROM THE BANK IN WHICH I WAS GIVEN THE EXCUSE THAT THEY DECLINED MY PURCHASE AT XXXX BECAUSE THEY COULD NOT VERIFY THE CHIP ON THE CARD. FURTHER ANYTIME SOMETHING GOES WRONG CHASE TEXTS ME AND I HAVE INFORMED THEM MANY TIMES I DONT WANT TO RECEIVE TEXT MESSAGES AND THEY REFUSE TO STOP SENDING ME TEXT MESSAGES. I AM UP FED. LASTLY TWO DAYS AGO I CHARGED {$840.00} VIA ONLINE PURCHASE AND AGIN CHASE STOPPED MY PURCHASE SENT ME A FRAUD EMAIL OF WHICH I CONFIRMED. WHAT IS THEIR EXCUSE FOR STOPPING THIS CHARGE? I AM FED UP WITH CHASE CONSTANTLY BLOCKING MY PURCHASES WITH XXXX  AND ANYTIME I USE MY CARD. ENOUGH IS ENOUGH.
Product: Credit reporting or other personal consumer reports

I am seeking this action based on my rights under the Fair Credit Reporting Act ( FCRA ), as detailed below : Privacy Violation : As per 15 U.S.C. 1681 ( Section 602A ), I have the right to privacy regarding my credit information. The continued reporting of certain entries may be a violation of my privacy rights.

Furnishing Accounts : According to 15 U.S.C. 1681 ( Section 604A, Section 2 ), a consumer reporting agency can not furnish information about my account without my written instructions. I have not provided such instructions for the disputed entries.

Limitations on Adverse Information : Under 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may include adverse items of information, except for records of convictions of crimes, if they are more than seven years old. The late payments and other adverse information in question exceed this timeframe.

Accuracy of Information : As per 15 U.S.C. 1681s-2 ( A ) ( 1 ), no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. The entries in question may be inaccurate or outdated.

Bankruptcy Removal : Under the FCRA, Section 605 ( a ) ( 1 ), bankruptcy records are allowed to remain on a credit report for up to 10 years. However, given my request for early removal, I urge you to review the specifics of my case and consider this request based on [ provide reason, e.g., evidence of improved financial standing or a dispute over the accuracy of the information ].

Please find attached copies of the relevant documents supporting my request, including : A copy of my credit report highlighting the entries in question.

Any relevant correspondence or proof of payment improvements.

I request that you investigate this matter and update my credit report accordingly. If the information can not be verified or is deemed inaccurate, I expect it to be promptly removed in accordance with my rights under the FCRA.

Please notify me of the results of your investigation and any actions taken regarding my request. I appreciate your prompt attention to this matter.

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX