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

I am writing to dispute a fraudulent charge on my account of {$300.00}. {$140.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b )  I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$140.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been directed to apply for credit cards thru credit karma thatbibwas pre approved for and then denied and it caused my score to go down from a hard inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open.

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 us
c 1681 B 15 usc 1681 i ( 7 ) Read A and XXXX XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

XXXX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Product: Credit card

My Citibank card was closed due to " inactivity '', despite heavy banking activity with Citibank on the checking side, heavy use of another Citibank card, and no warning that cards can be closed due to " inactivity ''. Approximately four hours after receiving the notification, I called Citibank to get the card re-opened and was told that this would entail a hard credit pull, which would further damage my credit. In addition, this was my oldest tradeline, and there seems to be no indication that this would actually re-open the account -- it would just create a new Citi Dividend card, which I do n't want. I want the old account re-opened. XXXX in the Florida office was exceptionally rude to me, and not very understanding about the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, Equifax and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these late payments 3 different times with XXXX XXXX XXXX XXXX is the only one reporting it correctly. XXXX and XXXX just keep verifying the information without sending me any method of procedures. I disputed on XXXX XXXX XXXX XXXX. They havent even investigated. They just sent something back saying they werent going to investigate. I sent a 3 XXXX report in each letter- SHOWING THE ERRORS DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX DPEDNELTNET XXXX
Product: Debt collection

. I was going over my consumer report. I saw that I had a collection by National Credit Systems, so I sent a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting notice. They responded with a letter saying that they adjusted the debt due to their investigation which brought the alleged debt from {$4500.00} to {$2000.00}. Which mean they were furnishing misleading information according to the FDCPA in the beginning. Furthermore, attached to the letter was a summarized resident ledger from the alleged original creditor XXXX XXXX XXXX showing that account was paid off on XX/XX/19. In North Carolina, the statute of limitations for automobile loans, installment loans, credit cards and promissory notes is three years. The account # XXXX is still showing on my consumer report. It is a fact, National Credit Systems has been reporting false, inaccurate information on to my consumer report which has caused me and my family severe harm and damage my reputation due to negligence.
Product: Mortgage

I called Seterus my loan servicer to inquirer about a possible Deed in lieu. They told me they would have a specialist call me within 72 hrs. Never heard from anyone so I called back and spoke to someone else. We discussed some things and he told me he will send out a application to fill out and for me to send back. In the meantime he will have some one call me to discuss my concerns, which was if I even qualify since i '' m not behind on my Mortgage. In the meantime I get a phone call and a mortgage statement that says I owe {$530.00} for legal expenses and that I do n't qualify. I inquired and they say the following. They did a title search, and see that I owe some money for Maintence fee '' s. I never told them to pull tile, I never signed a consent to pull title and all I was trying to do is inquire information. They are now telling me they pulled title to see if the person quilifys. But we were n't even to that point yet to go forward. besides who is to say that I cant pay the maintence fee that is owed. But my main concern is, who gave the right to go and spend on my behalf with out letting me know there will be charges. I know the note gives them the right to pay for force insurance, but even then they send you letter letting you know before they spend it. I know if I was behind in the mortgage it gives them the right to hire a attorney to pursue me. In this case I '' m not behind and I was only inquiring.
Product: Credit reporting or other personal consumer reports

There are inquires in my consumer report that I do no recognize and I need them removed immediately. XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX ( Hotel and travel ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Address not mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Credit cards not mine XXXX  XXXX XXXX XXXX  Theft report number. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

This is written notice to Equifax that your claim has been disputed under the Fair Credit Reporting Act ( FCRA ). I have the right to dispute any inaccurate information that is being reported in my credit file. I have requested proof that the address, phone numbers, and the erroneous names in which have been illegally displayed on my credit file, be validated, and if validation can not be made within the 30 day time frame allowed to Equifax by law. The disputes listed in my original complaint must now be completely removed from my credit report. ( Equifax has now legally exceeded the time frame allowed by law ). 
Your legal staff will agree that compliance with this request is required under the laws of the FCRA and Colorado and Federal Statutes.
Product: Debt collection

Paid Midland Fundraising off  in full in  XXXX ,  2017 . There is a {$0.00} balance. Please remove off of credit report.
Product: Debt collection

IRS FRAUD and United States Code Law Violations Discover Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil Liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION Discover Bank is trying to collect on an alleged debt despite not creating consumer account for securitizing consumers retail installment agreement which under 16 CFR 433.1 is indeed a credit sale as consumers social security number was used in said transaction. Discover Bank has not provided consumer with official treasury forms filed under consumer social number as described by congress as a credit card. Consumer reporting agency ( XXXX, XXXX, and XXXX ) hard inquires shows proof consumer credit was pulled. Which by the rules govern said company under the FCRA, FTC and 16 CFR 433.1, 16 CFR 433.2 and 16 CFR 433.3 company is bound to follow all guideline when offer retail installment agreements per the contract as a consumer my rights can be altered at any time.

As for the 1099c, 1099oid, 1099a that Discover Bank has filed with treasury department under the rules of the 1099c company must provide consumer with a copy for accurate IRS reporting for any debt over {$600.00}. Discover Bank is not filing the proper taxes with IRS which is fraud. Due to companys non-compliance consumer will have no choice but to file form 211 along with other applicable OMB IRS forms under filing IRS with the treasury to audit consumers account to make sure accurate reporting and taxes are rendered per the security agreement signed under Discover Bank with the security exchange commission along with all OMB IRS forms needed to conduct an audit on consumer account. 
Discover Bank has also securitized consumers promissory note indenture trustee over securities yet have not credited consumers accounts accurately. Due to the recent change in consumer laws please serve this as notice that upon a valid proof of claim notarized under penalty of perjury consumer refuse to remit any funds until all documentary evidence of the accounting on the public and private side of consumers account. Discover Bank immediately stop any reporting until said company provide all information under the penalty of perjury for documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 US SM BUS ADMIN XXXX XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

I attach the list of the accounts from the fraud on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit card

Care Credit was trying to process a chargeback for a patient for services already rendered and demanded we send them a detailed list of all services rendered for the patient. Our patient 's mother paid for her care plan with Care Credit and our understanding of HIPAA ( TPO ) is that only outstanding debts or current debts are covered in normal exempt transaction, chargebacks not being XXXX of them. Also, Care Credit does not have a direct relationship with our patient, but rather with our patient 's mother, who was present and approved the use of her Care Credit card and signed for the transaction. We tried to reach someone at Care Credit and called over XXXX numbers and left XXXX different messages for representatives. We refused to send the detailed list of services rendered and so the chargeback was issued. Despite numerous attempts to contact a representative that we could speak to about why we were refusing to send the information requested, their response was that nothing could be done, that we needed to send the patient to collections if we felt the chargeback was not warranted. Upon contacting the patient, she stated she never asked for a refund on services already rendered. She simply requested that a late fee be refunded. This patient was informed that unfortunately she would be sent to collections now and that CareCredit said she or rather her mother the cardholder could contact them to lodge a complaint. Our patients ' privacy is important to us. If we perceive an issue to be a possible violation, we inform ourselves as best as possible and always err on the side of caution rather than violate our patients ' trust. After extensive research we feel that what Care Credit asked us to do was a violation of HIPAA policy. We do not have a Business Associate Contract signed with them as the usual transactions performed are exempt. We also spoke to XXXX of their representatives ( XXXX at XXXX on XXXX at XXXX ) who, after speaking with her supervisors, informed us that they would never ask for a detailed list of services rendered because that would be a violation. She also faxed over their policy regarding HIPAA. Care Caredit not only processed a chargeback that was never requested by our patient, but they threatened and followed-through with refunding our patient for services rendered unless we sent information that would have caused us to violate HIPAA law since we did not have a release form from our patient authorizing us to disclose her treatment. Attempts to contact someone were unsucessful and our messages were not returned. If you need any further information, please contact me at XXXX or at XXXXXXXXXXXX. 

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

On XX/XX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I'm being taking advantage of and ignored regarding my disputes. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I has been well over 45 days. Which mean it should be deleted immediately. If they are deleted from my credit report. I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of someone else.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Checking or savings account

I have a Chase Business Complete Checking Acct. Since XX/XX/XXXX, the account has been charged a monthly fee of XXXX for " Financial Management Software. When it started showing up I originally thought it was some fee that Chase was tacking on but eventually realized there shouldn't be charges as have enough money in all my accounts to avoid fees. Meanwhile, through two bouts of XXXX and several years of XXXX treatment at XXXX XXXX I let some of this lapse ( I am XXXX ). 

I spoke to my agent at the bank in XX/XX/XXXX and she told me to call the phone number associated with this account. I finally did, about two weeks ago and got through to a chase employee who agreed the charges were a mistake and removed four of them ( he person said they could only go back 4 months ). I was also promised that the fee would be dropped. ( It did show up again ). My branch supervisor removed the fee and suggested I speak to someone at Chase to try to get back more of the mistakenly charge fees. This morning, I spend 2 hours on the phone and to no avail, although one agent said I could institute a dispute for the charges. It was impossible to find someone who would start the complaint process. 

The agents kept getting more defensive and refused to tell : me : 1. When this charge was instituted 2. Who did it?

3. What it was for. 

My bank manager refused to share what she was writing about our conversation and became angry telling me it was against state law to give me any additional money back. I responded that the money was less important than finding out how the mistake was made. She said she couldn't tell and suggested I go back into the phone network which had wasted my 2 hours this morning. 

I'm sorry this is so long, but can you help me? Incidentally, I wouldn't mind getting my money back, but more important is what is being hid. I suspect more clients are getting this fraudulently than just me. Thanks, XXXX XXXX
Product: Checking or savings account

Provide me with an update on your investigation into the fraud that occured with my stolen check that was cashed at your bank, my original complaint XXXX I am also requesting all documentation related to this fraud complaint. You need to provide me with the protocol that was followed by your bank when accepting the fraudulent check. 

You are supposed to give me a written explanation of what you found, and you have not provided any information to me. I have a right to request the documents you are relying on during this investigation.
Product: Debt collection

I am in need of assistance ensuring that the the debt collector Progressive Management/XXXX  XXXX XXXX and credit bureau XXXX  abides by the law, in regard to an issue with collection activity on my credit report. After exercising my rights under the FCRA Fair Credit Reporting Act, and countless letters sent certified mail via USPS, XXXX  who failed to properly validate and verify collection activity on my account. Dispute letters were sent directly to the debt collector Progressive Management/XXXX XXXX XXXX on XX/XX/2020 requesting validation of the debt trade line appearing on my credit report. In reference to the dispute letters sent on the date above, Progressive Management provided a response on XX/XX/2020 that attained PHI and HIPAA content pertaining to me without addressing proper validation/verification of the debt. 

Initially I sent the dispute letter to Progressive Management/XXXX XXXX XXXX requesting this validation/verification to further prove the debt was legitimate, which ultimately resulted into a security breach of unsecured PHI. I have no record proving that I have given Progressive Management/XXXX XXXX XXXX authorization to have sensitive information about my personal health concerns, nor has Progressive Management/XXXX  XXXX XXXX provided any such documentation bearing my signature. I then proceeded to send letters to XXXX on XX/XX/2020 disputing the trade lines on my collection report for Progressive Management/XXXX XXXX XXXX in reference to the unverifiable debt and HIPAA violation. A reinvestigation request was made to XXXX, with supporting evidence, to further investigate the HIPAA Violation in which they simply updated as accurate without disclosing any method of verification as requested. On XX/XX/2020 I received an email from XXXX  that the debt was simply updated without any further information.
Product: Checking or savings account

Due to the fact I have a rewards card with navy federal to extend my credit, navy federal gave me an installment payment instead XXXX  Navy Federal only extends my credits for {$4500.00}, if am approved why not extend for the Maximum amount? Navy Federal has restricted my trade. My deposit of {$4600.00} on XX/XX/2023, deposited into my Navy federal account. Navy Federal without notice or my permission withdraw {$3800.00} out of my account. When I contact Navy Federal, stated the money for the money I own for the credit card. The card was charged off. Also, Navy federal sent my information to all three credits reporting agencies. XXXX, XXXX and XXXX without my knowledge or consent.