23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

In XX/XX/2020 XXXX XXXX XXXX has a collection against me in the amount of {$310.00} XXXX disputed this transaction with XXXX, XXXX and XXXX. Because this is false and incorrect. This account does not belong to me. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract- all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verified proof ( an original Consumer Contract with my signature on it ) you have in the file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts to be vetified or removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15U.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

While using the Payment Platform Google to signup for the streaming service XXXX XXXX, I was prompted to enter a payment method with the disclaimer the streaming service provider would not charge the debit card provided until a later date for the Period in which the service was a Free Trial Period. Prior to the date agreed upon when signing up for the trial period I was charged by the payment platform Google and the provider refuses to resolve the dispute that I filed for the transaction as not authorized to be debited until XX/XX/23 per agreement, although the charged amount was deducted on XX/XX/23.
Product: Checking or savings account

I was in a US bank today to open an account myself I told to the lady that I want to open account and she said ok go and seat down I was waiting patiently because she was doing something on her computer after that she assess drop off a deposit and is still waiting for one another lady came out said wait and we will be with you so I'm still waiting for nobody else inside except me I'm just seating there if there is no drop-off deposit they working something inside the teller office then there is a woman came inside and they assess here I was thought maybe after this lady they will assess me then but I'm wrong because they do another thing again I feel I'm discriminate me because I am a XXXX, but I'm US CITIZEN ALREADY then I decide to leave because nobody want to assess me to open my account and when I leave nobody says anything US BAND IN XXXX
Product: Credit reporting or other personal consumer reports

My problem is with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : ( XXXX ) XXXX and XXXX. 
I received a notification from a credit monitoring service that a negative account had been placed in my credit file. I disputed the account with all XXXX major bureaus and sent XXXX a certified letter asking for proof of account ownership. In addition, I have XXXX been notifed of owing this bill prior to it being placed in collections. If it was my bill I would have paid it prior to this. XXXX  says XXXX has proven the bill is mine. I have yet to see that proof but i still stand my my statemnt that I would have paid it if I was EVER mailed a copy. I sjhould not have a negative mark on my account.
Product: Bank account or service

On XXXX/XXXX/16 my account with Citizens bank was overdrawn. I made XXXX deposits {$400.00} cash and a check deposit of {$340.00}. The {$400.00} cash was made at the bank 's ATM and was lost and then applied on XX/XX/XXXX with the original deposit date of XX/XX/XXXX. When I called the bank I was told that I had to go back to the bank for them to apply the credit. I then went back to the bank to address this issue. At that point, I requested that once my funds are applied to my account and my balance was XXXX, for them to close my account. To my dismay, this was not done. Today, Friday, XX/XX/XXXX, I reviewed my account and I noticed that I was assessed XXXX fees. XXXX for an overdraft and another XXXX for a sustained fee which I was told today was assessed since my account was overdrawn for more than 7 days. I never received any type of communication from the bank telling me that a fee was assessed. I think it is unfair to be assessed a fee when my account was 1 ) brought current, and 2 ) charged a fee for my account being overdrawn due to a fee that they assessed. Citizens bank is charging me a fee on a fee. This is ridiculous. I feel as though is deceptive to charge me an additional {$30.00} for my account being in the negative and their fee was what put my fee in the negative. I called in to resolve and the customer rep told me that she could only reverse XXXX fee in a 12 month period. This is totally unfair. My customer case number is XXXX. Again, no notification of the fee was received which put me at a disadvantage to address the issue. How can I close my account if they keep charging me fees that I know nothing about. Attached is a screenshot of my account. One last note, when I checked my account on the morning of XX/XX/XXXX was balance was {$0.00}. From the screenshot you can see how my account was at a {$0.00} balance until the fee was assessed. This fee did not show up on my account the morning of XX/XX/XXXX and no one can tell me the time when the fee was assessed. All that I know is that it was not there when I logged on to my account Monday morning ( XX/XX/XXXX ). Please look into this deceptive practice.
Product: Debt collection

Company provided my personal information to another company without my knowledge or consent. company refuse to provide requested information to validated debt with in 30 days per the fair credit reporting Act FCRA and the credit Breau refuse to remove off credit report after several desputes and after I told them I'm not getting the requested information to validated the debt along with contract with my signature with in 30 days per the Fair credit reporting Act FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to formally dispute and bring to your attention a series of violations that have adversely impacted my credit report and overall financial well-being. I kindly request your assistance in enforcing my legal rights as a consumer under the Fair Credit Reporting Act ( FCRA ), as well as other relevant laws. Additionally, I would like to share my personal story to shed light on how these violations have deeply affected my life. 

Violation Details : Unauthorized Inquiries : XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXX XXXX, XXXX XXXX - Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX - Date of inquiry : XX/XX/XXXX Incorrect Previous Address Entries : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX PREVIOUS XXXX : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Personal Story : These violations have caused immeasurable stress and hardship in my life. My financial history has been unfairly marred by unauthorized inquiries that I have no recollection of authorizing. Each unauthorized inquiry not only affects my credit score but also impacts my ability to secure loans, housing, and even job opportunities. As a responsible consumer, I have always strived to maintain a strong credit profile, and these unjustified inquiries have shattered my efforts. 

Moreover, the incorrect previous addresses that have been reported have exacerbated the situation. These inaccuracies have led to confusion and embarrassment when applying for housing, credit, and employment. The address inaccuracies have been perpetuated, hindering my access to financial stability and peace of mind. 

Request : I kindly request your assistance in enforcing my rights under the FCRA and related laws. Specifically, I ask that you investigate these violations and ensure that the following actions are taken : Unauthorized Inquiries : I request that these unauthorized inquiries be promptly removed from my credit report. The reporting of these inquiries is not only unjust but has also significantly affected my ability to manage my financial affairs. 

Incorrect Previous Address Entries : I urge you to rectify the incorrect previous address entries on my credit report. These inaccuracies have caused undue complications in various aspects of my life, and their removal would greatly contribute to my financial stability. 

In conclusion, I am deeply invested in resolving these issues and restoring my financial well-being. Your assistance in ensuring that my rights are upheld will have a profound impact on my life. I am hopeful that my story resonates with you and underscores the urgency of rectifying these violations. 

Thank you for your attention to this matter. I look forward to a prompt resolution and a positive outcome. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] for any further information you may require. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i Have asked midland credit management to provide debt verification documents. Midland has responded with an account transaction summary, and a letter stating the debt has been sold to them from XXXX XXXXXXXX. Midland also makes the claim that they are not required to provide a written agreement or full payment history. Which means in the court of law both federally and on a state level, midland credit has failed to " State a claim ''. you can not respond to a verification claim with documents that does not show true ownership of the account. While the letter is nice, federal law requires a true bill of sale as proof of account ownership. You are required to disclose the transaction documents between your company and XXXX XXXXXXXX. Simply saying i owe a debt and attaching a transaction record is not acceptable. I need to see the legal binding document that ties me to this alleged account. If you can not produce a signed contract by me, then you can not tie me to this debt. where is the proof this debt actually belongs to me? where is the proof that i agreed to pay XXXX XXXX  for a line of credit. YOU ARE REQUIRED TO PROVIDE THOSE DOCUMENTS. without providing those documents you are in violation of the FDCPA and the FCRA, in which case your company is liable for damages. This note is to establish communication on the federal level as it seems that this collection agency feels that they do not need to comply with the law. I am certain that midland purchased this alleged debt in a bulk buy and did not ensure the proper paperwork was attached to this debt that would allow them to legally collect it. If they did, they would be able to provide me with the contract or written agreement that shows that i entered an agreement to pay XXXX XXXX in the first place.
Product: Debt collection

I am a XXXX veteran. Several times as a XXXX, WI veteran, the VA send me to the XXXX hospital and clinics to be treated and they ( the Veteran Affairs Office ) pays them directly. In particular I have several debts that a ) never received notice of ; never given a chance to dispute until this year ; and they immediately sent this information to the credit bureau and collections which have failed to inform, notify or head my numerous attempts to dispute this debt. The debt collectors from XXXX XXXX hospital from XXXX 2009 assert that I owe {$220.00} from care they provided on behalf of the VA. Despite more than XXXX phone calls, and letters from the VA verifying they are going to pay it but they may some bureaucratic snafu, they still have this report on my credit report, I am not late, nor do I owe this debt!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX/XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX ) XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE ON XX/XX/XXXX XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT XX/XX/XXXX ) XXXX   XXXX XXXX XXXX NOT MY ACCOUNT ( DISPUTE SENT ON XXXX ) UNAUTHORIZED INQUIRES 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 GA XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX XXXX XXXX XXXX # XXXX NOT MY ACCOUNT ( DISPUTED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Several disputes submitted where information was requested from XXXX, Transunion, and XXXX for proof of verification of account and the company kept coming back the information was verified, even after I submitted paperwork from the original creditor stating the record was purged from their files and no longer reporting. I asked for the record to be deleted from the credit report and was denied. dates of event XX/XX/scrub>XXXX XXXX XXXX 

XXXX Acct # XXXX
Product: Checking or savings account

Capital One checking account has not given Direct deposits for payday, and continues to withhold information on why they won't pay.
Product: Bank account or service

On or about XXXX/XXXX/16 I went into my bank, USbank and noticed my balance was less than I thought it was and went inside to see why. The banker first noticed when I got gas, they charged me 3 or 4 times but it cleared the next day and corrected. I had pulled out about {$40.00}, and then went and pulled money off my XXXX card. The next day I saw everything cleared and the over charges returned so I paid another bill. Then on XXXX/XXXX/16 I was going to transfer money and noticed I was over drafted. I called to find out why, and was told the teller made an error, did not post my money I pulled out so they pulled it out a week later. I have been in several times and called customer service to try to fix this, and they waived a few fees but they would not fix the issue they caused. They keep trying to get me to pay {$60.00} or so and charge me fees. I saw on my end and theirs the very next day everything had cleared. I do not feel I should have to pay again for their mistake. There is even a note on my account saying this was an error. I also disputed the amount I pulled out.
Product: Credit card

I requested information last XX/XX/2023 and I have yet to receive anything. 

Please have this company upload the following documentation. 

All billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E allocation of payment.
Product: Credit reporting or other personal consumer reports

I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me.

According to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer
Product: Debt collection

I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being.

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights.

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED ; Collections : XXXX XXXX - XXXX {$6100.00} XXXX  XXXX - XXXX {$4700.00} XXXX XXXX  - XXXX {$2900.00} XXXX - XXXX {$8700.00} XXXX XXXX  - XXXX {$740.00} XXXX  - XXXX {$12000.00} XXXX XXXX  XXXX - XXXX XXXX - XXXX {$1000.00} Accounts : ATTYGENERL - XXXX {$75000.00} ATTYGENERL - XXXX {$5800.00} XXXX  XXXX XXXX - XXXX {$62000.00} XXXX  XXXX XXXX - XXXX {$12000.00} XXXX  - XXXX {$6100.00} XXXX  - XXXX {$4700.00} XXXX  / - XXXX {$190000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Debt collection

This company will harass you the day your payment is due. They will call you non stop through the whole month. Now it got so bad where I have anxiety so bad it got worse from the harassment from them over a debt payment. Now XXXX on XXXX so it is hard for someone like me after XXXX hurricanes. Ive asked them in the beginning not to email me. Well they started harassing me through emails. This company is very non companionable and theyre like XXXX XXXX its come to money. I wish now XXXX to have to go through this now they levy my bank account and XXXX about to be homeless in a couple weeks. I wish no one to go through this with this company. No sympathy!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is NOT a fraud complaint. do NOT place a fraud alert in my credit file. 

I have challenged the reporting of a XXXX on my credit report XXXX separate times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I demanded each and every document that they have in their physical possession on each of those dates. This demand was made pursuant to the FCRA 15 UCS Section 1681g. They were specifically asked not to merely state that is has been verified as this is not in compliance with the law. This must be done in XXXX XXXX Format reporting. 

In the event they did not have any documentation in their physical possession as of the date of these demands, under the Fair Credit Reporting Act Section 1681 ( i ), ALL unveried accounts must be promptly deleted. Moreover, I disputed the validity of each of the bankruptcy, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the Fair Credit Reporting Act. 

If they do not have any documentation in their les to verify the accuracy of these disputed accounts, they are required to delete them immediately. Failing to do so is damaging my creditworthiness and reputation. 

I demand the bankruptcy be properly verified with physical documentation and in XXXX XXXX Format reporting ( and not just verified through a 3rd party ) or it MUST be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2019 I have contacted the collection agency XXXX XXXX and all three credit bureaus ( XXXX, Equifax, and XXXX ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over six months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX Account # XXXX for XXXX XXXX  ... Amount {$130.00} for an authorized/unknown utility.