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

The listed HARD INQUIRES on my Consumer Credit Report published by a credit reporting agency are fraudulent, and I have never been associated with giving express written permission to run these listed Hard Inquiries or are they associated with any accounts I own. As per the Fair Credit Reporting and 15 usc 1681 ( a ) ( 4 ) Infringed Upon a Consumers right to privacy 15 usc 1681b ( a ) ( 2 ) No Permissible purpose/ No written instruction states that these item shall not be reported or listed on any consumer credit report or version thereof. 

I have personally called each credit reporting agencies customer services phone number and also fraud departments, where I was treated like a criminal, and spoken to very rudely including hostile language about these items. The outcome has not changed or removed this fraudulent information. The credit reporting agency also made it very difficult to discuss with the right department, nor have the ability to request deletion on their paid subscription services for my own personal credit report. 

HARD INQUIRES : XXXX XXXX  Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX, Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX CA Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card or prepaid card

NAME OF THE COMPANY : VANILLA GIFT I was gifted a Vanilla Gift Visa Prepaid Card with 400 dollars ( attached as proof of evidence ) by my aunt as a gift for my wedding in XXXX, the date of the event was XX/XX/XXXX and the card was given to me the next day. I did not open the card because I knew that it was only valid in the U.S and I waited until I was in the country. 

A few months past until I finally arrived to the U.S, the specific date was Saturday, XX/XX/XXXX ( Attached the flight tickets as proof of evidence ). After 6 days of my arrival, I opened the gift card and tried to use it at a local XXXX XXXX, this was specically on XX/XX/XXXX. To my surprise, the gift card said insuficient funds ; I was shocked since the card was not even opened until that moment and decided to check the current balance of the gift card in the VanillaGift.com  website and after I logged in with the card information, noticed that there were already four transactions covering all the funds the gift card had available. 

This transactions are the following : XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX - XXXX + {$400.00} ( the amount that my aunt added to the gift card ) XX/XX/XXXX, XXXX XXXX XXXX  XXXX - XXXX - {$210.00} ( first unknown purchase, I was in XXXX at the time of it ) XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - {$37.00} ( still in XXXX ) XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$90.00} ( still in XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( card without funds with this purchase and I'm still in XXXX ) All this transactions are in the registered in the balance of the card. 

I immediately called the number in the back of the card, the number is the following : XXXX and dialed the numbers in the automated voice machine to speak with a customer service representative but it would leave me on hold saying that they were experimenting long waiting times. After a few minutes, the call would just drop and no answer was given. I told my aunt about the problem and she tried to call as well but no answer as expected. Been trying to contact the customer service since then, but they never pick up the phone call. 

It was impossible to active the card before because we did not even open the card and a NIP was not setted. It is frustrating that it just took a month for the security of the card to be compromised and now the customer service would not even face the complain or say anything because we are not even able to contact the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer by law, This has NOT been submitted in error.

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION 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 TRANSUNION XXXX XXXX TRANSUNION 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 TRANSUNION 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 XXXXXXXX the above Have violated my rights .

15U.S.C 1681 Sec. 602 A. States I have the right to privacy.

15 U.S.C Sec 604 A Sec 2 : 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, other than records of convictions of crimes which antedates the report by more than 7 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.
Product: Checking or savings account

I am closing my account because Huntington Bank can not get me access to log into my account without visiting a branch. 

I called Huntington bank To close my account and they requested that I mail a notarized request to close my account. They wanted me to list my account number which I do not have. I can not obtain the account number easily since I do not have online access. 

Please assist in assuring that the ( XXXX. ) checking account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following account with Transunion : XXXX XXXX # XXXX & XXXX XXXX # XXXX. 
This consumer agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore the following accounts must be deleted from my consumer report. Failure to respond satisfactorily with deletion of the above-referenced accounts and a free copy of my consumer report after the changes have been made will result in the above actions being taken against Transunion. I will also be seeking {$1000.00} per violation for 1. defarmation, 2. Negligent & Enablement of Identity Fraud, & 3. Violation of 15 USC 1692g.
Product: Debt collection

I am submitting this complaint to address the handling of multiple credit report entries by LVNV Funding LLC. 

Account Details : Account # XXXX : XXXX Account # XXXX : XXXX Account # XXXX : XXXX All accounts have been written off by their respective original creditors and subsequently sold to LVNV Funding LLC. I am seeking the removal of these entries from my credit reports, as they have been settled and should no longer negatively impact my credit score. 

I request that the CFPB investigate these entries and facilitate their removal from all major credit bureaus to ensure the accuracy of my credit information. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Bankruptcy XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

I have a letter from XXXX and the Bankruptcy Courts stating that their company did not report this inaccurate information.
Product: Credit card or prepaid card

On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

I sent a checklist via US certified mail requesting ALL of the following information to validate the collection account. The letter was received by their office on XX/XX/XXXX at XXXX XXXX 

Complete payment history, the requirement of which has been established by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please provide verification by line item ( with an explanation of each item such as when the purchase took place, how much the item was, were the goods received, when were the goods received, etc. ) for the entire amount you say I owe obtained directly from the Original Creditor. 
Date of Last Activity My full, complete and correct social security number that may help to identify me as the correct person you are trying to collect from. 
Agreement that bears the signature of the alleged debtor wherein he agreed to pay the original creditor. 
The obligation between you and I that allows you to collect on the alleged debt and any transactions between your company that binds me to an agreement to pay your company any money that you claim I owe. 
Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) that was presented to you at the time of incurring this debt. 
Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how the amount sought was calculated, where at issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Proof that this debt has not been written off as a tax liability. 
Any other intimate knowledge of the creation of the debt by you, the collection agency.
Product: Credit reporting or other personal consumer reports

Based on the provided account information from the credit report for XXXX here are the inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX Account Number : XXXX reports the account number as " XXXX. " Experian reports the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : XXXX reports it as a " Revolving account. " Experian reports it as " REVOLVING. '' XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Revolving account '' as the account type detail. Experian reports " Charge Card '' as the account type detail. XXXX does not provide an account type detail for this account. 
Bureau Code : XXXX and Experian report " Individual account '' as the bureau code. XXXX does not provide a bureau code for this account. 
Account Status : XXXX reports the account as " Closed. " Experian reports the account as " Indeterminate. '' XXXX does not provide an account status for this account. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}. " Experian does not provide a monthly payment. 
XXXX does not provide a monthly payment. 
Date Opened : XXXX reports a date opened of " XXXX. " Experian reports a date opened of " XX/XX/XXXX. '' XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$0.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports it as a " Revolving '' account. XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX reports a high credit of " {$0.00}. " Experian does not provide a high credit. 
XXXX does not provide a high credit. 
Credit Limit : XXXX and Experian report a credit limit of " {$0.00}. " XXXX does not provide a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account.

Payment Status : XXXX reports it as " Paid or paying as agreed. '' Experian reports it as " Charge-off. '' XXXX does not provide a payment status for this account. 
Last Reported : XXXX reports a " Last Reported '' date of " XXXX " Experian reports a " Last Reported '' date of " XXXX. '' XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating that the account was canceled by the credit grantor. There's also a " CONSUMER STATEMENT '' indicating the item is in dispute by the consumer. This information is consistent among the three bureaus. 
Date Last Active : XXXX reports a " Date Last Active '' of " XXXX. " Experian reports a " Date Last Active '' of " XXXX. '' XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports XXXX OK '' for several months in the payment history. 
Experian reports a mix of 30, 60, 90, and 120 days late, as well as " OK '' for some months. 
XXXX does not provide a payment history for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681a ( 3 ). Experian assumed this role without permission, and you did not have my consent. My right to privacy, which is under 15 USC 1681 ( a ) ( 4 ) has been violated. 

Experian did not exercise its grave responsibility, you were unfair, you were partial. 

I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose ( No written instruction ), as per 15 USC 1681b ( a ) ( 2 ). I never instructed Experian to furnish this report and I never consented to the report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I sent a dispute to TransUnion due to 32 items on my credit report being listed as closed accounts with remaining past due balances all reporting multiple lates and duplicate accounts, and unauthorized inquiries. A closed or collection account can not also be past due, that a violation of my rights. On XX/XX/2019 I received a response stating the inquiries will remain. On XX/XX/2019 I sent another request for validation in response to the letter I received on XX/XX/2019. And on XX/XX/2019 TransUnion were updated and remained. 

On XX/XX/2019 and XX/XX/2019 I mailed a request to TransUnion asserting my rights under the : FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by XXXX in providing all information to the creditor associated with my earlier dispute under FDCPA section 808 ( 1 ) provide me with authorized agreement creating the debt, FDCPA section 809 ( a ) ( 4 ) copy of verification sent to the consumer 809 ( b ) cease collection and communication of debt until  verification is mailed. 

To be more specific, based on FCRA 611 ( a ) ( 2 ) ( b ), you were required to forward all of the relevant information provided by you to the creditor for their investigation of my dispute within 30days.

TransUnion has continued to violate my rights. First by ignoring my valid request of validation from which Im entitled to by law, on all three occasions of me asking. Second, they continue to violate my rights with each validation request Ive sent TransUnion updates these accounts to a paid late status on 30+ accounts which are reporting as closed. Mind you none of these accounts have been validated but TransUnion updates late status on closed accounts which is a direct FDRCA violation.

Today, I received a new dispute opened for one account which means once again my rights have been ignored by not removing these items under FCRA611.

Since TransUnion did not comply with any of my 2 requests within the time frame allowed they need to delete the disputed items in question. Please have them comply with the law and my rights by having these disputed accounts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy nghts and/or committed another violation of the Privacy, Security, or Breach Nottication RUles. I do not recal giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anthing more is to onlv be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX 
COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered XXXX or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an orginal bill, and a detailed statement of procedures is required. if XXXX. 
Please provide a breakdown of fees, induding any collection costs and medical charges, if any Please provide a cooy of my signature with the provider of service to release my medical information to vous Please provide a report of comparative analysis between the dubious signature and the senature recognized by the alleged signer. if any. 
Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certicate of authority. and proof that your company is licensed to collect debt in my state. XXXX provide me with a license number and registered agent or agent of XXXX Finally, please provide an affidavit signed under XXXX XXXX XXXX that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Debt collection

ARCADIA RECOVERY BUREA has 3 accounts reporting to my credit report, i do not owe this debt ... my insurance said they covered this..i have tried to contact the credit bureaus as well as Arcadia at least 5 times for validation/verification of this debt ... i have received no such proof of debt ... ..

these accounts have all been re aged as well, i have attached copies of their report, please see ... .i need these people to delete these accounts now as it is not reporting 100 % accurately as required by law ... my next steps is to contact the state attorney general as well as a consumer attorney
Product: Credit card or prepaid card

On or about XX/XX/XXXX, one of my business partners tried to use her office credit card, but the charge was declined. I reviewed our credit card transactions online and saw that there were three transactions that I did not recognize : XX/XX/XXXX XXXX {$100.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX XXXX XXXX  XXXX {$960.00} I called FNBO and immediately started a fraud investigation. I also reported that my credit card was lost or stolen. The representative told me that they would put these items as " disputed. '' Today, I received a letter from FNBO fraud investigation department stating that they were denying my claim because my " chip-enabled credit card was used at a chip-capable terminal ... and that my credit card had not been reported lost or stolen. '' First, I did report my card lost or stolen as soon as I learned of the fraudulent charges. Next, if someone stole my card and put the credit card in the chip-capable terminal, then of course that is how the sale was approved. The problem is it was not me making those purchases. Where is my signature that I charged these things? Where is any pin authentication? If the clerk does not check and ID, and still lets the person leave with the merchandise, then whose fault is that. I did not make these purchases and I should not be liable for them.