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

For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.
Product: Debt collection

I had been receiving a prescription medicine from XXXX XXXX XXXX. This prescription for XXXX was covered by my insurance agency. The amount of XXXX was billed monthly to the insurance I had at that time. That had been a discrepancy between XXXX and the insurance about one payment but that was resolved between the two parties yet I still receive this notice of collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In writing and via phone I have contacted all the bureaus to remove incorrect information from my credit report. I sent in certified mail to track this information and process. Nothing has happened or taken place on my accounts.
Product: Credit card

I received a letter in the mail XX/XX/2023 in regards to someone applying for a credit card in my name. I have not applied for any credit card with Bank of America nor anyone else. 
Reference XXXX XXXXXXXX Dated XX/XX/2023 XX/XX/2023
Product: Credit reporting or other personal consumer reports

i sent a dispute on XXXX to all XXXX cras concerning the re-investigation process, also informing them about XXXX usc XXXX ( b ) about information has to be maximum accuracy. 
neither of the XXXX hasn't responded as of XXXX concerning the items and i have also attached a copy below for your reference with XXXX certified receipts. 
requesting the items be verified sending me the method of validation or deleted the items from my credit report.
Product: Credit card or prepaid card

I sent the police report, the date of the fraud, phone number of person pretending to be XXXX -rhey insisted that I owed them {$4000.00} after accessing my computer with a software program. I contacted the bank right away and they reversed my charges. Then, 3 months later they said that the charges were legitimate and I was responsible for the charges. I had purchased gift cards on my VISA credit card issued by XXXX. 
This vendor cashed these credit cards, so Union Bank VISA considered them legitimate.

I have received nothing in writing that this has been resolved and only called the number of the Fraud Department in order to rectify the charges. Now, they say I owe the whole amount. It was Fraud and gave them the phone number that I contacted on and even called XXXX about the gift cards and they had all been cashed. 
My credit card with Union Banki # XXXX, would like this resolved and put the responsibilty on the fraudulent vendor.
Product: Debt collection

Hello, I have a debt collection on my XXXX report, The original account was opened with XXXX communication. For starters the account in question is not my account. It was opened fraudulently by my ex wife several months after we divorced. The account recovery information is my ex wife 's email and contact number. XXXX had no means to contact me directly in regards to the debt. Through good faith, and an attempt to clear the account. I have paid the account balance in XX/XX/2023 conformation number XXXX. The account is currently reported as unpaid. I have disputed the account several times through XXXX. The dispute is coming back as account information verified as correct. I have also contacted XXXX XXXX directly, to which they stated the account would be updated.
Product: Credit card

Capital One is reporting an account on my credit report that was found to be in violation of the Fair Credit Reporting Act. I hired XXXX XXXX, an FCRA attorney in New Jersey, and we were able to sue them and the credit bureaus, and I won. As part of the settlement, they agreed to delete this account on my credit report but I see that it is still on there. I even disputed it with the credit bureaus and they came back and verified it. Is n't that another violation of the FCRA?
Product: Credit card

On XX/XX/2023 I contacted capital one in regards to a settlement I was not aware of. When I asked when was the email sent, the associate provided date of delivery of XXXX XXXX. Upon shuffling through my emails, I explained I did not receive an email. The associate then stated to check my spam account, I checked there as well and no emails from capital one were found regarding the data breach class action lawsuit. I then asked how can I continue or go about submitting a claim since I was not properly notified by capital one and was told this was closed as of last year and was nothing they can do.
Product: Debt collection

On XXXX XX/XX/XXXX XXXX XXXX initiated a collection action using the collection agency Mrs BPO to collect from me {$890.00} for purchase of an XXXX XXXX. I never made this purchase. On XX/XX/XXXX I contacted a local XXXX XXXX XXXX  branch in XXXX CO to help me understand what this matter was about. I learned the following from the XXXX XXXX XXXX agent : That someone using my name and social security number had made the purchase from XXXX XXXX XXXX. That the address that person gave to XXXX XXXX was XXXX XXXX XXXX, XXXX TX XXXX. That the XXXX  XXXX purchased has an IMEI identification # XXXX. The XXXX XXXX XXXX agent connected me with the XXXX XXXX XXXX fraud department who committed to withdrawing the collection request from Mrs BPO collection company and to investigate the case as fraud. The XXXX XXXX XXXX XXXX fraud department agent told me they would advise me of the results of their investigation within 30 days. As of today, XXXX XX/XX/XXXX, I have not received any communication from XXXX XXXX XXXX. I am filing this report at the suggestion of an XXXX Corporation agent with whom I spoke today, XXXX XXXX XXXX I want my credit report with the three major credit reporting companies restored to an Excellent rating and any adverse credit report removed from their database.
Product: Debt collection

Subject : Illegal Debt Collection Practices by UHG I LLC Case Reference : Case No. XXXX, XXXX Judicial District Court To Whom It May Concern, I, XXXX XXXX XXXX am filing a formal complaint against UHG I LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and related consumer protection laws. UHG I LLC has engaged in illegal debt collection activities, including initiating garnishment proceedings, despite not being licensed to collect debts in the state of Michigan, as required by XXXX  XXXX. 

Additionally, UHG I LLC has garnished {$500.00} from my Michigan state tax return, alongside wage garnishment from my wife, XXXX XXXX, despite their lack of licensure and legal standing. 

Details of Complaint : UHG I LLC is attempting to collect on a debt despite not being licensed to do so in Michigan. 

They initiated garnishment proceedings that resulted in both wage garnishment of {$2200.00} and garnishment of my state tax return totaling {$500.00}. 
Their actions violate the FDCPA and the Michigan Collection Practices Act, rendering their garnishment actions and judgment void.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided these documents to Equifax twice in my dispute
Product: Money transfer, virtual currency, or money service

I was looking to purchase a specific breed of puppy. Very few breeders in our area. I found one online listed as being in XXXX, PA. I started correspondence with said " breeder '' on XX/XX/2021. After several emails between one another I decided to purchase the puppy. They emailed me a copy of the contract that I signed on XX/XX/2021. They stated a 30-day money back guarantee. All of this correspondence and contract are attached with this claim. On XX/XX/2021 I completed the XXXX transfer of {$950.00} for the puppy to XXXX XXXX, XXXX email of XXXX. At the time of payment they were supposed to make shipping arrangements for the puppy. The next email I received wanted {$550.00} for life insurance. Red flags went up immediately! None of that was part of the discussion. When I reached out to discuss this, none of the phone numbers worked. All my emails went unanswered. They completely fell of the radar. At that point I went to my financial institution to file the scam. They took my report and made copies of the emails and contract. They told me not to expect any results from the claim. I also went to the police station and filed a report with them. XXXX XXXX Police Deparment, XXXX XXXX XXXX, case # XXXX. From what I understand this should fall under Regulation E where I was coereced or induced. I also returned to my bank, Pacific Premier, and gave them a record of the case # with the police. At that time the lady who helped me said it looked like they filed it incorrectly the first time and she was going to redo and resubmit my claim. This is the last discussion I have had with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX Balance : {$19000.00} ; XXXX XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
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 USC 1681. 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 has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things that were incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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. 15 U.S.C. 1681B ( 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 card or prepaid card

The company does not let me close my account online, and when I call they transfer me to another department and leave me on hold. I have tried twice to cancel but the wait time is greater than 20 minutes on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is Frozen because of an OPM data breach in 2015. I called TransUnion and attempted to get a copy of my credit report and update errors I had seen earlier. After, about 20 minutes on the phone I was told there was not enough information in my file to verify me so I would have to do it in writing. I went online and tried to access my report after collecting a lot of my information I was told I would have to call in. I called the toll free annual credit report number and they mailed me a copy which verify my concerns of errors in my report. The generic letter and copy of my report gives me no method in correcting my report but to go online and this site. TransUnion has made it impossible for me to correct my report because I don't use credit and haven't it seems be a sort of punishment ...
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 confidentially under XXXX XXXX XXXX. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX ALL XXXX ACCOUNTS 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, states a consumer reporting agency can not furnish an account without 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, other than records of conviction and crimes which antedates the report by 7 years.

According to 15 U.S.C 1681 S-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 have violated my federally protected consumer rights to privacy and confidentiality UNDER 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have all violated my rights, 15 U.S.C. 1681a ( 4 ) states 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 U.S.C 1681 Section 604 A section 2 : states that a consumer reporting agency may not furnish an account without my written consent or intructions.

15 U.S.C. 1681a ( 5 ) Section 603 States, I must CONSENT to anything being reported to my credit report.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate.

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 adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Debt collection

I visited XXXX XXXX XXXX on XX/XX/22 and XX/XX/22. Both times I paid my co-pay of {$62.00} through their patient portal. However, I have received repeated collections notices. I have disputed them and contacted XXXX XXXX, who confirmed that their is no debt owed, however, I keep receiving these notices.
Product: Student loan

I paid a company around 300 dollars to lower my student loans and then my student loans were sent to another company. My repayment amount is supposed be {$0.00} as I'm supposed to be on an income repayment plan for 10 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX BANK Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  Account # XXXX has violated my rights. 

15U.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 or prepaid card

I have new and updated information regarding my previous complaint against American Express for denying my application for credit for an American Express XXXX XXXX XXXX XXXX credit card account. I have attempted to mail American Express a request for payment of Arbitration Fees for XXXX  however, the letters I have mailed to the address indicated on the Cardmember Agreement have been returned to me twice via USPS. So, I have attached the request here as American Express has violated my right to credit, discriminated against me and violated the False Claims Act by stating the reason for denial of my application was due to an XXXX XXXX from American Express account being closed due to non-payment. American Express also violated 18 U.S. Code 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested, via certified mail, that XXXX and Equifax remove all old address from my credit report. There are up to nine ( 9 ) addresses that are being reported that are untrue. My correct and only address is XXXX XXXX XXXX XXXX XXXX FL XXXX.Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office XXXX and they are not re-portable as per the FCRA, since they are inaccurate.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of an eviction on my credit file, as reported by your agency. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2, a consumer reporting agency is obligated to block the reporting of any information resulting from alleged identity theft upon the consumer 's identification of such information. 

On XX/XX/2023, I identified the eviction account listed on my credit file as a result of identity theft. Despite my identification of this account and the legal requirement outlined in the FCRA, the eviction remains on my credit file. As per the aforementioned statute, consumer reporting agencies are mandated to block such information not later than four business days after receipt of the consumer 's identification of identity theft-related information. 

By failing to comply with the FCRA and blocking the reporting of the eviction resulting from identity theft, your agency is in direct violation of federal law. I hereby request that you promptly investigate this matter and take the necessary steps to rectify the situation by removing the eviction from my credit file. 

Additionally, please provide written confirmation of the actions taken to resolve this dispute, as well as any documentation supporting the removal of the eviction from my credit file. 

Thank you for your attention to this matter. I expect a timely response in accordance with the provisions of the FCRA.
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 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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.