23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX Did not Provide me with a HIPPA release that releases my medical information to them, They are violating the law and my rights. I requested this release form more than 30 days ago and they have yet to respond to my request but, continue to report this medical collection onto my credit device.
Product: Credit card

I purchased XXXX XXXX chargers from XXXX on XX/XX/year> which they were unable to deliver, so I requested a refund. A month later no refund so I called XXXX, and they said it was on its way, week later no refund. so, I filed a dispute with Citi card, XXXX then requested I cancel the dispute to receive my refund which I did. Still no money awarded, called XXXX again and they said they refunded the money because I won the dispute. Now Citi card is saying thou I won the disputed but canceled during the transaction I'm no longer intitled to the XXXX monies. The problem I'm having is why should I not receive the monies awarded to me XXXX sent the money to Citi card, but they will not refund the monies to my account, because I canceled the dispute. Now I'm out these monies and nothing to show for it as well as interest that Citi card is gaining
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX BANK XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX BANK XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. UNKNOWN - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. UNKNOWN - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXXL on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

I'm on XXXX with XXXX  XXXX and XXXX XXXX for low income. XXXX XXXX  {$1500.00} XXXX XXXX XXXX Acc # XXXX Medicredit , Inc. {$350.00} XXXX/XXXX  XXXX, XXXX  Acc # XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

We have had business and personal accounts with a particular bank for decades ( combined ), with the local branch having played an important role to helping our business get started. My husband and I are sole owners, which is evidenced on all the signature cards. We live in a rural area and there is no mail delivery on our road, so have a XXXX XXXX When the bank mailed several of our business credit cards to the street address vs. the mailing address ( again ), they of course never arrived. With 3 days to spare before the cards expired, we made arrangements for replacement cards to be sent to the local branch for physical pickup so we could activate and get into employee hands before the old cards expired. The only employee left who would have known our history was out for the afternoon, so the inexperienced bank employee would NOT release them to us, would only release to the employee who were nowhere around due to the nature of our business. No matter what we did to explain that we own the business credit card account, not the employee, and that the employee ca n't activate the card without our personal info, nor would they agree to call their internal card services dept to verify we asked the cards to be overnighted to the branch and why, they simply refused to give us the cards we requested. I then asked them to mail the cards to our business mailing address ( XXXX ), they did, but instead of going to the XXXX to mail, they put them in their internal courier system and I did n't receive for 15 days, well beyond when several cards had expired for my employees. In my utter frustration since this was n't the only business account that we 'd had major service issues with, we began to move accounts to another bank, including the direct deposit accounts for Health Savings Accounts for XXXX of our employees. We completed the information to do a bank to bank transfer of the HSA funds to ensure the proper coding, submitted the forms to the bank on XX/XX/2017, and re-submitted 2 other times since, in spite of fax transmission records to prove otherwise, they claimed they never got them. The XXXX HSA accounts were never closed until XX/XX/2017, while the bank continued to asses {$4.00} per month service charges to each account. Then, the checks got lost in the mail again ( hmmm ) and were n't received by the new bank until XX/XX/2017 for credit to the new accounts. The obvious other piece is that my employees had no access to those funds to pay their medical bills for all of that time, and XXXX of them received late charges from medical bill collectors for non-payment, all due to this bank taking this extraordinarily long time, from XX/XX/2017 till XX/XX/2017 to get funds transferred. This is very, very, very poor service, very poor practice to assess fees and refuse to reverse them by taking any responsibility for their own internal practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian about addresses thats showing up on my credit report thats not accurate. Its continuously being reported after several letters addressing the matter.
Product: Credit card

CHASE BANK in particular the Chase Sapphire Credit Card department is involved in XXXX and misleading their clients ' practices. 
In XX/XX/year> my balance of my Chase Sapphire Credit Card was XXXX. Chase sent me an invite to 'minimize my credit card balance as offering me {$690.00} balance transfer as a cash to be deposit to my Chase checking account. I would pay {$34.00}. I agreed as balance transfer meant to take {$690.00} out of my current credit card balance {$4300.00}, in order to minimize the balance of my Chase Sapphire credit card. 
Chase XXXX transfer {$690.00} to my checking account on XX/XX/year>. HOWEVER, Chase ADDED {$690.00} PLUS + $ XXXX MY PREVIOUS CHASE SAPPHIRE CREDIT CARD BALANCE, but over-limited my credit card above my {$5000.00} limit at {$5000.00}. 
In other word, CHASE willfully defraud me/ misled me as this is NOT A BALANCE TRANSFER. BUT RATHER IT WAS COMPLETED AS A CASH ADVANCE TRANSACTION WITHOUT MY AGREEMENT FOR CASH ADVANCE. NOW CHASE WILL MAKE ME TO PAY NOT ONLY INTEREST ON THE NEW BALANCE {$5000.00}, BUT AFTER XXXX YEAR SHOULD I NOT RETURN THIS MONEY I HAVE TO PAY DOUBLE INTEREST ON {$690.00}. THIS IS ILLEGAL!!!! 

PER Consumer Financial Protection Bureau, " Balance transfer is : A balance transfer lets you move an outstanding balance from XXXX credit card to another, sometimes for a fee. The fee is usually a certain percentage of the amount you transfer or a fixed amount, whichever is more. 

THEREFORE, Chase ILLEGALLY, FRAUDULENTLY TOOK THE MONEY FROM MY CREDIT CARD remaining balance of my credit card, transferred the money as cash wrote this is a balance transfer transaction but NEVER PERFORMED A BALANCE TRANSFER. THIS IS A FRAUD. 

NOW, my balance is over the limit, my credit is affected due to Chase XXXX action while my balance on the Chase XXXX credit card should be XXXX + {$34.00} balance transferred fee Activity since XX/XX/year> Previous statement balance {$4300.00} Payments {$0.00} Purchases {$0.00} Balance transfers. CHASE XXXX XXXX XXXX XXXX ID : XXXX + {$690.00} Fees charged + {$34.00} Current balance {$5000.00}
Product: Mortgage

Company has not paid our property taxes from our escrow account. There are now penalties and itnwrest added. Calls are always put on hold due to high volume. Callbacks aren't always received when requested. No response through the online messaging system. 

When we finally got in touch, the representative told us to email a copy of the tax bill. The phone call was difficult to hear as the representative 's voiced echoed the whole time.We were sure to include all pertinent information in our email, and have not received a response ( not even a confirmation of receipt ). 

A week later and we are trying to call again to no avail. If the bill is not paid in the next four days, more penalties and interest will apply.
Product: Credit card or prepaid card

In XXXX of XXXX XXXX cut my XXXX XXXX with the company and asked I return the company charge card to Human Resources. The card was sent to XXXX XXXX per her request. 
In XX/XX/XXXX I received notice from Bank of America for an amount due of {$80.00}. I contacted Bank of America explaining the card was sent to XXXX XXXX at XXXX in XXXX of XXXX and I could not have used the card. Since then Bank of America has contacted me to pay this amount and late charges. I replied back to them explaining what was said after the first notice. 
Yesterday I received a notice dated XX/XX/XXXX from Bank of America attempting to collect a debt.. 
Bank of America continues to pursue me for a charge on a company charge card that was surrendered over a year ago, rather than pursue the company that has the card.
Product: Bank account or service

The USAA bank made me responsible for my son 's debt after his death with XXXX. 
I did not share his credit card and he lived in XXXX and I in XXXX. 
Now I find they interfered with my Social Security account saying I am a bad credit risk. 
This is incredible! - hard to believe they would stoop so low to hurt a Veteran of XXXX. 
This is certainly illegal or should be. They have no right to hurt me in this way. 
I always had an excellent credit rating. Please rescue me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the week of XX/XX/XXXX- XX/XX/XXXX i called EXPERIAN to discuss some incorrect items on the file they have on me, XXXX XXXX a consumer in fact. While on this call i spoke to representative and explained that EXPERIAN had reinserted some accounts back in the spring of XXXX that had been deleted around XXXX of XXXX. I asked the representative why had they not notified me of the reinsertion as stated in The Fair Credit Reporting Act in 15 USC 1682i ( B ) ( ii ) ( iii ) to which he had no response. Then I explained that according to The Fair Credit Reporting Act IN 15 USC 1681b ( 2 ) they can only furnish a report and under no other circumstances according to the written instructions of me a consumer to which the representative told me that title 15 chapter 41 subchapter III is not the law and EXPERIAN does not have to follow it. I then explained that the agent was wrong and can take some time and look up the federal laws I had quoted to which he refused and at times told me to be quiet which to me was highly unprofessional. These accounts have been affecting me for almost 2 years and i've tried several times to address this matter with EXPERIAN to no avail. As a victim of identity theft I filed a report with the FTC sent it in to the appropriate consumer reporting agencies and some of the inaccurate information was removed while others were kept even though they were on the report ( see attachments ). I have been denied multiple times do this inaccurate reporting by EXPERIAN. Furthermore I explained to the agent that according to 15 USC 1681b ( 6 ) due to the fact that EXPERIAN, XXXX, & XXXX operate nationwide they should have removed the accounts just as XXXX AND XXXX did as they had alerted one another in order to keep accuracy on all reports and comply with this law. The agent still said there was nothing he can do and was still speaking to me in a manner that was very disrespectful. The hardship this has brought to me and my family cant be explained in words but i am making that attempt now. I have no confidence nor trust in EXPERIAN as they have willfully and knowingly keep reporting these inaccuracies as stated in 15 USC 1681n. the Fair Credit Reporting Act states that the banking system is dependent on accurate reporting and EXPERIAN is not exercising its grave responsibility to me a consumer and is not being equitable by its continuation of reporting inaccuracies. the accounts are : 1. XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX 2. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX 3. XXXX XXXX XXXX - ACCOUNT NUMBER XXXX I have filed a new FTC report to go long with this complaint as well.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

ive sent letters to dispute this fraudulent id theft account : XXXX XXXX XXXX XXXX. ive been sent letters about this id theft account on XXXX, XXXX, XXXX and ive even disputed this account over the phone multiple times and they still havent deleted this XXXX XXXX XXXX XXXX account. 

Experian, XXXX and XXXX are reporting fraudulent information on my report identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.- its been more than 4 months and they havent removed it, i also made a FTC report for this account and sent it to Experian, XXXX and XXXX and still nothing According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Experian, XXXX and XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. - ive asked them to verify XXXX XXXX and send me a signed contract and they have never sent it its been more than 90 says Under the FCRA, unverifiable accounts must be removed. I also contacted XXXX  and the agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. 

According to the Fair Credit Reporting Act, Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) this accounts in violation not reporting 100 % accurate. I never gave permissible purpose for you to report this account on my report. XXXX account can not be accurate since its an identity theft account and it also is not accurate therefore it must be deleted, also its reporting as 120 days late on XXXX, XXXX and 120 days late again on XXXX XXXX that is impossible to be 120 days late 2 times in a row. another inaccuracy it must be deleted for These are multiple rights that Experian, XXXXXXXX XXXX XXXX are violating and reasons why this XXXX must be deleted. 

Also there is unauthorized inquires reporting on my credit that i never gave permissible purpose for 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  I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
Product: Checking or savings account

XX/XX/XXXX, my XXXX number : XXXX got hacked, so on XX/XX/XXXX and XXXX, money from my chase bank debit card account got taken and wirelessly transferred into a XXXX account Ive never heard of. I changed my phone number on XX/XX/XXXX. XX/XX/XXXX and XXXX, they went shopping using my XXXX credit card. Then I called all my bank credit card companys to update my phone number and email and they told me to close all my current credit cards and give me new ones. On XX/XX/XXXX, I called all credit bureau companys and told them all to freeze my credit score. After getting all my new credit cards, I only activated my XXXX XXXX, Chase and XXXX credit card but havent used any. Sometimes, I checked my credit balances to make sure nothing weird happened so when I checked my Capital One credit card on XX/XX/XXXX, I listened to the recent transactions noticing actions I havent done. I called the company to make an investigation. They issued 2 more cards yet they got used as well : XXXX and XXXX ( last 4 digits ). 

As for Chase Bank, there were unauthorized transactions on XXXX I havent done. I made a claim regarding this yet they denied it without me knowing saying how there wasnt enough evidence to prove I wasnt the one who made these transactions. After filing a police report for chase bank and showing them more materials while I opened up the claim again, they still denied it to me a week later. I found it ironic how the claim I made in the XXXX XXXX  takes 90 days for them to come up with a conclusion but only one week for Chase to have a conclusion.

I made police reports, made an FTC recovery plan, froze all my credit scores, reached out to XXXX and XXXX waiting for a response all so I could fix my problem yet it doesnt seem to be working.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below 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 first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Student loan

I took out a loan so my son could complete his studies. afterward, I lost income due to the fact my son was hospitalized and I had to become his caretaker. I ran out of money and became XXXX  for several years. I continued to send monthly payments to the agency that was a lot less than the amount expected and shared with them my difficulty and continued to make payments of the lesser amounts. Several times via phone calls I was promised to be given break because of my dire financial straits. I continued to be diligent on making payments of the lesser amounts often and told if I did make payments of at least {$40.00} monthly religiously for a year, I would be in an ln forgiveness program and my debt would be wiped away. Last year I got another call asking me to increase my monthly payment to {$80.00} a month with the same promise. I got another call with a complaint from the same agency agreeing that the previous callers dropped the ball and did not record the verbal agreement. They are threatening to force my current spouse to pay the bill in full, he is not responsible for this loam. They want to force me to sign new paperwork lying that I rejected an offer for a lower rate, then telling me getting the lower rate is not going to help me. 
I sent them a letter telling them I am still making payments of {$80.00} monthly as previously agreed upon and will continue to make these payments. This threat of making my husband pay monies he does not owe will again put me in a homeless situation!
Product: Debt collection

Tried to contact person who called me multiple times to deny I owe anything from XXXX XXXX. She never called back.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 S
ection 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: Mortgage

I refinanced my house and have been waiting for my escrow account refund. The taxes were paid by my new loan company and Penny mac who is my old company also paid them The loan was paid off on XX/XX/21. XXXX XXXX sent the money back to XXXX on XX/XX/21 and Penny mac said they were going to send the money to us on XX/XX/21. I called today on XX/XX/21 and they still have not sent the money to us. I have called them 6 times and everytime they give me the run around.