23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

I have a Vanilla Gift card that was used fraudulently but Vanilla will not help or reinstate the funds. 
-The card was purchased on XXXX at a grocery store -I did not use the card or open the packaging for about 6 months -I went to use the card and opened it in front of the merchant -The card did not work for the {$100.00} purchase ( this is the card value ) -I went to the website and it showed it was almost completely used already ( in XXXX XXXX ) -I immediately reported it to Vanilla Gift Cards -I also informed them that I could prove I was not in XXXX XXXX and happy to share all the packaging -I took them until 1 day past the period of review- approx. 3 months to respond -I received an email stating my claim was denied for " timeframe '' -I resubmitted twice and called to reopen the case and get more detail and they are not responding -It 's also near impossible to get someone on the phone and then they say all disputes are handled via email and they can not help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18, I mailed XXXX XXXX XXXX a Validation Request Letter and on XX/XX/18 I received their response which I is a violation of the HIPAA guidelines. 
XXXX XXXX XXXX and XXXX XXXX XXXX have violated the HIPAA guidelines under HIPAA 164.502 by providing specific medical information to XXXX ( a collection agency ) where a collection agency does not qualify as a Business associate per HIPAA 160.103.3.

HIPAA 160.103.3 states : ( 3 ) Business associate includes : ( i ) A Health Information Organization, E-prescribing Gateway, or other person that provides data transmission services with respect to protected health information to a covered entity and that requires access on a routine basis to such protected health information. 
( ii ) A person that offers a personal health record to one or more individuals on behalf of a covered entity.

( iii ) A subcontractor that creates, receives, maintains, or transmits protected health information on behalf of the business associate.

Regarding section ( i ), XXXX does not provide data transmission services. Regarding section ( ii ), XXXX is not a person but a company. Regarding section ( iii ), XXXX is a collection agency that might be considered as a subcontractor but I was given no authorization to XXXX to provide XXXX to receive my specific medical information. XXXX provided XXXX with specific medical procedural information of my laps rpr recurrent incisional hernia reducible which is a flagrant violation of HIPAA guidelines. Ive attached documentation that proves that XXXX provided XXXX with information that violates HIPAA guidelines.
Product: Checking or savings account

On the XXXX of XXXX, someone in far away California, who had probably found a way to clone my card, and deduce my pin number ( as informed by Police ) went ahead and deducted {$160.00} from my account. At XXXX on the same day, I in XXXX Maryland tried to check for my payment from my job, and found the said amount had been deducted, since then I have requested investigation, reported to the Police, yet Citibank keeps reimbursing and then going ahead to later deduct this said amount, after they claim that " this activity is consistent with my normal banking activities '' ... Please how would I have used my ATM in California at XXXX and then come to my bank in Maryland at XXXX and XXXX to complain?? How could I have gone to work the night before in Maryland then be in California by XXXX on XXXX??
Product: Payday loan, title loan, or personal loan

I had registered for tally line of credit and added a unsupported card on my account to get the tally limit but I never expected tally to make an payment to my card due to it being unsupported plus the payments being made were set as " you pay '' tally made the payment without my authorization but I'm trying to get the cardholders company to return the payment to my tally account but it is taking longer than usual and tally is reporting the account as late payments on my credit report... 

it is not my responsibility to correct their mistake but I have tried to get them to get the money back because I never authorized it but they refused to help me again and again.
Product: Bank account or service

Regions Bank has charged me {$140.00} in overdraft fees on my checking account despite the fact that I only went over {$3.00} and I had {$900.00} in my savings account at the time! I 've been banking with Regions for 15 years, but I 'll be closing all of my accounts within the next week. It should not be legal for them to do this to people.
Product: Credit reporting or other personal consumer reports

NOTICE TO DELETE ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oregon XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Oregon Attorney General Consumer Complaint XXXX XXXX XXXX XXXX, Oregon XXXX Date : XX/XX/XXXX NOTICE TO DELETE ACCOUNT TO WHOM THIS MAY CONCERN, PLEASE DELETE THIS CHILD SUPPORT, JUDGMENT ACCOUNT IMMEDIATELY : Account Name : Dept. of Justice OREGON CHILDSUPPORT Account Number : : # XXXX Account # XXXX Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ) Delinquent child support obligation is NOT a credit transaction. '' As a result, the courts found that collection of this account was not a valid permissible purpose to obtain or report a consumer report. 
All Credit Reports for collection of delinquent child support judgements, fines and liens may no longer be permitted. 15 U.S.C. $ 1681b ( b ) ( 1 ) ( A ) - the Certification Requirement. Please provide the following As an example, for collectors of delinquent child support debt, judgments, fines, or liens, you must have in hand : 1. A written authorization from the debtor to obtain a consumer report, or Some type of contractual agreement with the consumer that rises to the level of a credit transaction under law. 



Please respond to this deletion notice within 30 days to avoid further actions, deletion of this account will satisfy compliance. 
CC : Attorney General Office, FTC, CFBP Upon removal of the above referenced items. 
Please send me a copy of an updated credit report. 
Thank you, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Asked Experian XXXX XXXX and XX/XX/22, to remove and correct all personal information such as names, addresses, other family information, and incorrect social security number from my credit report personal information section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XX/XX/2022 ( Complaint # XXXX ) against XXXX and EXPERIAN to remove some HARD INQUIRES on my credit report that I did not recognize. Experian is claiming that these INQUIRIES came back verified however, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. INQUIRY : XXXX XXXX, 2. INQUIRY : XXXX XXXX XXXX, 3. INQUIRY : XXXX XXXX  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. 

Delete these HARD INQUIRIES immediately unless you want to be held liable {$1000.00} per violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX, XXXX, MO, XXXX, XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Vehicle loan or lease

At the end of the my lease, there existed over mileage and minor damages to the vehicle. I was in contact with XXXX XXXX in an effort to settle the over mileage and also the damage. I was consistently told by Huyndai that there was no option for a payment plan available to me to cover these excess charges. My only option was that I had to wait until the account was sent to collection in order to make payment arrangements for these charges. I offered to make payments to Hyundai and they refused to accept them unless it was the full amount. I explained that I was not in a position to pay the full amount at that time, but would be able to pay it in full over the course of a period of time. Hyundai said to wait and deal with the collection agency. I waited until I received the information from XXXX XXXX, XXXX, they acting as debt collector for XXXX XXXX XXXX company and at the direction of Huyndai made payment arrangements with me. During all of my conversations with both Hyundai and XXXX XXXX, I repeatedly asked and was told that excess mileage would not be held against me on my credit report. All Lease payments were paid on time and in full. As of today, my credit report has been damaged, My father who was a co-signor on the lease has received a Release of Debt from XXXX on behalf of XXXX XXXX XXXX See attachment. He received this document after filing his complaint with the CFPB and the information was removed from his credit report. XXXX XXXX, XXXX, should also have sent the same information to me as I was a co-signor/borrower. The payments were paid as outlined by the Collection Agency for the over mileage and excess wear and tear. See attached comments from XXXX outlining all of the dates and payments made. Again I was told this would not appear on my credit report. Hyundai should be correcting my account as their agenct, XXXX XXXX XXXX told me that since this was for excess mileage and damage it would not be reported. If Hyundai had offer any type of payment option at the end of lease for over mileage or excess damage I would have made the payments directly to them. I would ask that my credit report be corrected and all delinquencies from XX/XX/17, XX/XX/17 ; XX/XX/17 ; and XX/XX/17 be removed from all three of the repositories listed under XXXX XXXX XXXX. I would also request that I receive a Release of Debt correspondence from XXXX Collection on behalf of XXXX XXXX XXXX and also a Release of Debt from XXXX XXXX XXXX as all payments have been paid.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Debt collection

This notice come in good faith in an attempt collect A Monetary Judgment that was issued for Plaintiff XXXX XXXX in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX PENNSYLVANIA # XXXXXXXX  against Defendant SCOTT & ASSOCIATES , PC on XXXX day of XX/XX/year>. XXXX was in the amount of {$5000.00}, plus {$89.00}, for a Total Amount due of {$5000.00}. 

To date, Plaintiff has not received payment to satisfy this judgement.
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Complaint against Chase Bank regarding account closure and withholding funds Dear Sir/Madam, I am writing to file a formal complaint against Chase Bank regarding the imminent closure of my account and the unjustified withholding of funds. I believe that Chase Bank 's actions are in violation of consumer protection regulations and warrant investigation by the Consumer Financial Protection Bureau. 

On XX/XX/2023, Chase Bank informed me that they will be closing my account due to their inability to verify the issuer of the three checks I deposited. These checks were dated XX/XX/XXXX and XX/XX/2023. Despite the fact that these checks have been cleared, Chase Bank has restricted my access to the funds, citing the need to verify the issuer. 

In an attempt to resolve this issue, I contacted Chase Bank on XX/XX/2023, and provided them with the phone number of the issuer. However, to my dismay, the representative informed me they would not contact the issuer as the provided phone numbers were not approved. This arbitrary restriction further exacerbates the problem and prevents me from accessing my own funds. 

Furthermore, the representative stated that any funds other than those from the checks would be returned to me. However, the funds from the checks would be withheld for up to two years and then sent to the state. I would then be required to work with the State of New York to recover the withheld funds. This unreasonable course of action places an unnecessary burden on me as a consumer, as I would be subjected to additional time and effort to retrieve funds that are rightfully mine. 

I strongly believe that Chase Bank 's actions are not only unjust but also contrary to the principles of fair banking practices. I request that the Consumer Financial Protection Bureau launch an investigation into this matter and ensure that Chase Bank rectifies the situation promptly. I kindly ask for the following actions to be taken : 1. Investigate Chase Bank 's account closure policy and the withholding of funds without proper justification.

2. Determine whether Chase Bank 's refusal to contact the issuer of the checks is reasonable and compliant with consumer protection regulations. 
3. Ensure that Chase Bank provides immediate access to the funds from the cleared checks and any other funds in my account. 
4. Impose appropriate penalties and corrective measures if it is found that Chase Bank has violated consumer protection regulations. 

I have attached copies of relevant documents, including the deposit slips, cleared checks, and any communication with Chase Bank, for your reference. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to address this issue promptly. I look forward to a resolution that ensures my access to the funds and upholds the rights of consumers. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

I don't recall having a contractual relationship with this collection company Credit Management. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Product: Student loan

I provided information regarding my bankruptcy that was started in XXXX and completed in XXXX. 
I also provided proof of permanent XXXX from SSA
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an uninformed decision when I entered into a contract with XXXX XXXX XXXX, nor didi give XXXX XXXX XXXX any permission to access my personal information. Identify theft.Only evidence of a debt was the agreement which is null and void because I did not receive any notice stating the facts thereof, was never clear and conspicuous as stated in the federal law 15 usc 1601k. Congress clearly states that an any contract or agreement must be clear and conspicuous. There is no evidence of a debt. I never received any adequate notice stating the facts of this contract ; there for this agreement is deemed null and void.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX  XXXX, and XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX XXXX, and XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Checking or savings account

Hello, I am reaching out regarding a bonus offer on a savings account that Citi has not timely paid. 

The terms are as follows, taken from the attached offer : Earn {$400.00} Bonus Open new eligible checking and savings accounts in the Citibank Account Package during the offer period XX/XX/XXXXto XX/XX/XXXX. 

Within 30 days of opening your account, deposit {$15000.00} in New-to-Citibank funds between the new checking and savings accounts. 

Maintain a minimum balance of {$15000.00} between the checking and savings accounts for 60 consecutive calendar days. 

As the attached transaction history establishes, I have met the terms of the bonus : I opened the account on XX/XX/XXXX. 
{$15000.00} was deposited to the account on XX/XX/XXXX and has remained in the account since. 
The bonus requirement were met on XX/XX/XXXX. 
Per Citis own terms, the bonus was due no later than XX/XX/XXXX ( 90 days after the bonus requirements were met ). 

I confirmed the bonus terms with a representative on XX/XX/XXXX. The representative also confirmed that the bonus had not yet posted. ( See attached chat transcript. ) Thank you very much for your time reviewing this case.
Product: Credit card or prepaid card

I received a statement from Chase XXXX Mileageplus credit card for an annual fee of {$95.00} for a credit card ( account number XXXX XXXX XXXX XXXX ) that I had not applied for. On XXXX, I called Chase customer service and was informed that an application for the credit card had been received. I informed them I had not applied for this account, which apparently had been opened in XXXX, and they closed the account, which had seen no activity, and later waived the annual fee. I was told that all records related to this account would be sent to me, but to date, I have not received the application or any other documents related to opening this account. Knowing the recent XXXX XXXX scandal regarding the opening of unauthorized accounts, I am suspicious that Chase may have been doing the same thing. I am writing to make you aware of this incident in case others have also been victimized in this way. 

I filed reports with the FTC and my local police department and notified all 3 credit monitoring agencies about the fraudulent card. I then placed security freezes with all 3 credit monitoring agencies, and extended the freeze earlier this month. According to the Virginia Attorney General 's Office, I have the right to obtain documents relating to fraudulent transactions or accounts opened using your personal information. I sent a follow-up letter on XXXX XXXX, to Chase again requesting any records and have received nothing from them. 

I am concerned that Chase may have initiated this fraudulent account in that the account was opened with my correct home address, which seems odd if someone were trying to steal my identity. Also odd is that no transactions were made, even though it was a month before I discovered the fraudulent account. Please note that I do not and have never had a credit card with Chase.