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

Receivable Recovery continues to blatantly report inaccurate, unverifiable entries on my credit report ( see attached ). The alleged entries reflect the original creditor is XXXX XXXX XXXX. The entry on my reports reflect that Receivable Recovery reported this entry on my credit report, yet they did not provide any communication to me. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. I have attempted on numerous occasions to gain clarity and insight on these erroneous entries by disputing in writing to them and the credit bureaus. My first disputes were with each of the credit bureaus and the responses provided from each bureau reflected that the entry was verified by Receivable Recovery. To that end, I sent a certified letter to this company. The tracking of this receipt reflects that they did indeed receive the dispute nor was the mail returned. To date, this company has not responded to my dispute of the validity of the entry they are continuing to negligently report. I requested : An agreement that states their authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, Alleged account number, Date this alleged debt became payable Original delinquency date, Verification that this debt was assigned or sold to collector Complete accounting of alleged debt, and Name and address of the bonding agent for collection agency in case legal action becomes necessary. THEY DID NOT RESPOND. In my second request, given I never received any notification from them with regard to the first dispute, I requested they provide a copy of the financial responsibility page, provide a copy of my signature with the alleged provider of service to release the alleged medical information to them and cease any credit bureau reporting until the debt had been validated by me. They DID NOT. Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. Prior to reporting any alleged medical entry the ACA provides a collection company must wait 6 months. Receivable Recovery did not prove they met this requirement and to date has not furnished a copy of any documentation to support they provided the allotted amount of time to pass per law prior to inserting this derogatory, inaccurate entry on my credit reports. It is obvious that Receivable Recovery has no intent to honor the law nor respond to my previous disputes ; therefore, in the absence of them not responding with any documentation to validate the alleged debt, they must cease collections, return this debt to the original owner since they are attempting to collect on behalf of another company, and remove this entry from my credit reports immediately. This erroneous, inaccurate reporting is misleading and is further diminishing my creditworthiness.
Product: Debt collection

THIS COMPANY WHICH I HOLD NO CONTRACT WITH REPORTED A COLLECTION ACCOUNT AGAINST MY SSN IN THE AMOUNT OF {$1500.00} WITH CREDIT AGENCIES AND ALSO SEND ME LETTERS I REQUESTED VERIFICATION OF THE DEBT AND ACCOUNT HOWEVER THE BUSINESS FAILED TO PROVIDE ADEQUATE PROOF WITH MY SIGNATURE I DO NOT HAVE A CONTRACT WITH THIS AGENCY. CONSIDERING THIS BUSINESS DOES NOT HAVE A CONTRACT WITH ME FOR GOOD OR SERVICES/BUSINESS THEY HAVE PROVIDED NOR HAVE THEY PROVIDED ADEQUATE PROOF I AM NOT OBLIGATED TO PA FOR THE ALLEGED DEBT. I HAVE REACHED OUT AND SENT LETTERS SEVERAL TIMES AND ASKED THIS AGENCY TO VALIDATE THE DEBT THIS COMPANY IS CAUSING FINANCIAL HARDSHIP AS IT REPORTED ON MY CREDIT ACCOUNT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/, to update this suspicious information. 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. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$470.00} ; XXXX  XXXX XXXX Balance : {$430.00}.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I attempted to freeze my TransUnion credit file. Unfortunately, I discovered that this was not possible. 

According to the TransUnion website at https : //www.transunion.com/ I must create a TransUnion user account in order to freeze my credit file. When I tried to create an account, the web page told me that I already have an account. 

That's true - I did have a TransUnion account in the past, but that was very many years ago. When I tried to use the credentials of my old account, the web page told me that because I have not logged in to that account in such a long time, I have to create a new account. But when I tried to create a new account, the web page told me that I have to log in with my old account, and this continued in a never-ending cycle. 

In an attempt to resolve this situation, I called TransUnion consumer support at XXXX during the hours indicated on the TransUnion website. But after providing the automated system with the information it requested of me- my zip code and my SSN- the call simply disconnected. I tried this on four separate occasions with the same result each time. 

I also attempted to resolve this with the chat utility on TransUnion 's website. However, on both occasions when I tried this, the wait time was never less than XXXX minutes. 

All I want is to freeze my TransUnion credit file. XXXX and XXXX make this so easy, but with TransUnion it is simply not possible for me to do this. Can you help me to freeze my TransUnion credit file? I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

Letter was sent to XXXX for debt validation after they would not and did not remove the collection according to FCRA guidelines. XXXX responded back stating the debt meet the requirements, but did not provide the process of how they validated the debt, nor the requested information sent in the letter, required by law. 

Subject : Debt Validation Request for Account XXXX Dear XXXX, I am writing to request validation of a debt reported on my credit report. The account in question is listed as follows : Creditor : XXXX XXXXXXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Type : Collection Account Number Balance : Date Opened : XX/XX/year> The report indicates a consistent collection status since XX/XX/year>, and I dispute the accuracy of this information. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that the following be provided : Verification of the debt, including the original contract or agreement. 
Documentation showing that I am responsible for this debt. 
A detailed account of how the balance was calculated. 

Please consider this a formal dispute of the debt 's validity. I expect a response within 30 days of receipt of this letter, as required by the FDCPA. If the debt can not be validated, I request that it be removed from my credit report. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite submitting multiple written requests with complete attachments of my personal information and credit reports, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the XXXX and Transunion 's end. This is my 5th attempt to request all documents to be provided and issued to me. Not fulfillingmy request should result in immediate removal of the unauthorized inquiry listed below : XXXX Card Date of Inquiry XXXX, XXXX Inquiry Date XXXX
Product: Credit reporting or other personal consumer reports

I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  be removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported fraud to the ftc on XX/XX/2023 on accounts XXXX XXXX XXXX XXXX XXXX And inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a brand new car In XX/XX/XXXX I used my credit card as the down payment for {$3000.00}. In XX/XX/XXXX I found out that the car was sold to me damaged along with non original parts I kept contacting the merchant and they WIll not communicate with me I chose to get my credit card company involved to find out what is going on I spoke to them in XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I have provided them with numerous documentation to show proof that i am In the right and the merchant is in the wrong my credit card company just turns around every time I dispute the charge and tells me to resolve it with the merchant they will not do anything about it. The merchant will not communicate with me so that's why I am trying to have my credit card company handle it but they won't.
Product: Checking or savings account

In XXXX of XXXX  I was notified that a XXXX for Navy Federal Credit union had transferred money out of my account when not on a call with me. There was {$11000.00} in my checking account the following morning I was - {$1100.00}. The credit union then closed my account after I deposited a {$5000.00} check from XXXX XXXX without notice
Product: Credit card or prepaid card

Without my authorization or knowledge, a Discover card employee erroneously started a dispute on a charge for airline tickets. Discover claims that they have cancelled the dispute. However, the airline shows neither the dispute nor cancellation. I have it in writing that Discover cancelled the dispute. However, my flight is at risk because the airlines have no record of the cancelled dispute. I have been on the phone with the airline and Discover for over 3 weeks and I believe there is still a problem in that my airline tickets reservation is still at risk, according to the airline. Despite telling Discover this, all they will do is issue me a {$100.00} credit, which is appreciated. However, the airline told me that Discover should be able to contact the airline online to cancel the erroneous dispute. Discover claims that they don't know how to do this and don't need to and keep trying to assure me that all is well and that my flight is confirmed. Despite my calling Discover again today to tell them that I am receiving an email from the airline that is asking me yet again to confirm my flight and Discover card payment for the flight, Discover is trying to placate me by telling me all is well. All is not well and I don't appreciate that they will not let me talk to anyone in authority except for low-level supervisors who try to placate me. Discover has offered to refund me my money if my flight is cancelled. That's not the issue. I don't want a refund. I want my flight assured. I also want to file a formal complaint against Discover for initiating a dispute without my authorization and for the way that they have mishandled their mistake in the past 3 weeks. I see no way on the website to initiate a formal complaint against Discover. If they treat people like me ( and my spouse ) who have been long-time customers and have extremely high credit ratings, I shudder to think how they treat marginal customers. I seek the opportunity to speak with the head of billing for Discover, despite their underlings saying that " they have other things to do besides talk to customers. ''
Product: Credit card or prepaid card

On XX/XX/XXXX I received by mail a letter in response to a good will request to remove negatively reported information being reported. Capital one in the letter indicated they need power of attorneys authorization for using a letter template. Disclosed in my letter dated XX/XX/XXXX is that I the account holder independently and solely submitted the request. The letter also indicates the response would be directly to the account holder. The letter advised I would be able to call in and respond. Capital one didnt honor their instructed letter sent to me. The Supervisor XXXX ID : XXXX who I spoke with at approximately XXXX on XX/XX/XXXX refused to properly assist me. Capital One refused to honor a goodwill request to remove negatively reported information although I called in to confirm as the letter I received stated I should. No power of attorney is required to use a letter template by a company to send my own letter. Capital ones power of attorney statement indicates that too SHARE information with outside sources power of attorney is required. Capital one is not honoring their own policy also being abusive in fair credit reporting and disputes. This effecting My creditworthiness in negative standing in hard financial times. False policies are being enforced and that is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent and unauthorized inquires on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  Account # XXXX has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit card or prepaid card

I always had problems with this Credit Card, as I always paid on time or before Statement came out, and unbeknownst to me if you pay before Statement comes out, your payment is applied to previous Statement and you would have to pay " AGAIN '' to satisfy the current Statement and since I believed I was paying ahead, I got surprised when I kept seeing " late payment charges '' on next statement. 

I spoke with XXXX on XX/XX/XXXX in Customer Service who credited me {$30.00} late fee, as I had made a payment of {$60.00} on XX/XX/2019 and PAID OFF the account on XX/XX/2019 with a final payment of {$39.00}. 

I moved to a different home and for some reason was not getting my mail, even though I placed a change of address. 

This credit Card company, hit me with late fees, after late fees and when I noticed I had a late payment on my credit report, they told me I owed the money and there was nothing they would do for me. 

I am now upset, that I made ALL my payments as requested and I've had to struggle with this specific credit card Company from the onset and at the end they continued to be deceiving.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account currently reports information illegally. Thoroughly investigate and update with lawful accuracy. Below are the inaccurate accounts on my credit report : Late Payment XXXX XXXX XXXXXXXX # XXXX Collection XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello this company has been reporting fraudulent account. I have attached proof/evidence that they are in violation of my consumer right according to this companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for charge off. I have tried numerous times to have this situation resolved with no resolutions.. REMOVE THIS NEGATIVE ACCOUNT COMPLETELY FROM MY CREDIOT REPORT. KIKOFF LENDING LLC CLPBUT****
Product: Debt collection

INFORMED THE COMPANY THAT THE DEBT DOES NOT BELONG TO ME. ASK FOR PROOF THAT THE DEBT IS MINES AND THEY HAVE YET TO SEND ME ANYTHING WITH MY SIGNATURE. ASKED THAT THEY STOP REPORTING FALSE ITEMS TO MY CREDIT FILE
Product: Credit reporting or other personal consumer reports

I am submitting this complaint personally to address late payments appearing on my credit record. Upon review, I discovered these late payment entries. I sent correspondence about this issue over XXXX days ago but have received no response, nor satisfactory validation. I request your help in resolving this matter swiftly and effectively.
Product: Checking or savings account

I received a deposit from Fsa and on XX/XX/2022 I noticed that there were 4 virtual card purchases on XX/XX/2022 for {$640.00} {$700.00}, {$990.00} and {$990.00} which took all of my money and I did not do these they say XXXX XXXX which I have no idea what this is so I called and filed disputes on all of them amd I just received this which has me so upset its not funny Date Description Amount Disputed Amount XX/XX/2022 XXXX XXXX, XXXX XXXXXXXX XXXX  {$990.00} {$990.00} XX/XX/2022 XXXX XXXX XXXX XXXX XXXX {$990.00} {$990.00} XX/XX/2022 XXXX XXXXXXXX, XXXX XXXX, XXXX  {$700.00} {$700.00} XX/XX/2022 XXXX XXXX, XXXX XXXX, XXXX {$640.00} {$640.00} We have thoroughly investigated your claim and determined that no error has occurred. 

This notice serves as final resolution of your claim. You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please look for the contact information on the back of your card. 

Thank you for giving us the opportunity to serve you. We appreciate your business and the confidence you have placed in us. If we can be of further assistance, please look for the contact information on the back of your card as we would be happy to assist you further. 

The institution is moneylion and I wrote them and told them that if they would look at the IP address they would clearly be able to see that I did not do this.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Massachusetts Laws Dear MERIDIAN FIN, I am writing to formally address the unauthorized reporting of information to my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Massachusetts consumer protection and identity theft laws, including M.G.L. Chapter 93, Sections 50-68, and M.G.L. Chapter 266, Section 37E. 

It has come to my attention that MERIDIAN FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under the FCRA, Section 1681b ( a ) ( 2 ) strictly requires that consumer consent be obtained prior to reporting such information. Additionally, under Massachusetts law, M.G.L. Chapter 93, Section 54A imposes obligations on furnishers of credit information to ensure accuracy and consumer authorization. 

Furthermore, Massachusetts identity theft laws, specifically M.G.L. Chapter 266, Section 37E, classify the unauthorized use or dissemination of personal identifying informationincluding financial datawithout consent as a serious offense. By reporting my information without authorization, MERIDIAN FIN may be in violation of these statutes, which are designed to protect consumers from financial harm and identity fraud. 

I assert unequivocally that I have not provided consent for MERIDIAN FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, has the potential to damage my creditworthiness, and represents noncompliance with federal and Massachusetts state laws. 

Therefore, I demand that MERIDIAN FIN immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Massachusetts statutes protecting consumer credit information. If corrective action is not taken within 30 days, I will consider this as willful noncompliance and pursue all available legal remedies, including formal complaints with the Massachusetts Attorney Generals Office, the Consumer Financial Protection Bureau ( CFPB ), and potential civil litigation under FCRA provisions. 

Compliance with these regulations is not optional but a legal obligation. I expect MERIDIAN FIN to act promptly to rectify these violations and respect my rights under both federal and state law. 

This notice is issued in good faith with the expectation of immediate resolution.
Product: Vehicle loan or lease

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 U.S.C 1681.

The accounts below have violated my rights.

15 U.S.C 1681 Section 602A States i have the right to privacy.

15 U.S.C Section 604 A section 2 : it also states a consumer reporting 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 antedate the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall no furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I requested a re-audit of my qualifying public service loan forgiveness employment in XX/XX/2017. I have yet to receive any response on the request despite calling on more than one occasion to follow up. XXXX has refused to certify months during which I was employed by a qualified employer and otherwise complied with all requirements for public service loan forgiveness. At one point I was considered " ahead '' on payments because I was admitted to the auto-payment program but was not aware of the fact that I was admitted. As a result, in the month that I was admitted, I made a manual payment and an auto-payment the same month. For months thereafter, while working at a qualified employer, XXXX has refused to qualify my service until I went a month without paying so that I would be considered no longer " ahead '' on my payments. In addition, the month I was instructed not pay so that I would no longer be " ahead, '' also did not count despite continuing to be employed by a qualified employer and complying with all other requirements.
Product: Credit reporting or other personal consumer reports

I recently checked my Equifax credit report and realized there was an account from XXXX XXXX XXXX ( XXXX ) that didn't belong to me. It's labeled under my " installment loan '' accounts for an auto loan. I called Equifax to get the account and phone number for that debt. After that I called XXXX XXXX XXXX to figure out what's going on and how this mistake could have happened. 
While on the phone with customer service at XXXX they advised that this debt belongs to an individual named " XXXX XXXX. '' My name is XXXX XXXX, so this was obviously a reporting mistake/error for an account that has nothing to do with me. 
After learning this information I checked my other two credit reports from XXXX and XXXX and confirmed that this error was not reporting to either of my other two credit bureaus. 
I've never had any auto loan with XXXX XXXX XXXX and should not have any account from them reporting to my credit report.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. This inquiry in on my Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiry is 1. XXXX XXXX  ( Bank ) - XX/XX/2024 XXXX
Product: Credit reporting or other personal consumer reports

The credit reporting agency EXPERIAN reported that I have XXXX names and XXXX addresses. 
I only have XXXX name and XXXX address. This was reported on the report number XXXX XXXX XXXXThe agency should delete all the old addresses and have my correct name on file.