23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 unde

r 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  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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, {$350.00}, marked missed payment on credit report, reported by XXXX  XXXX XXXX. 
XX/XX/2022, {$0.00}, marked missed payment on credit report, reported by credit card company. 
XX/XX/2022, {$55.00}, marked missed payment on credit report, reported by credit card company.

In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 which states I have the right to privacy. As well as 15 USC 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b. A creditor may not treat a payment on a credit card or loan account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

enhanced recovery added a collection account to my crediy report in 2021 that i contacted them about and set up a payment for settlement and removal of account from my credit report. The account was settled in XXXX of 2021 in the amount of {$480.00} but the account is still visible on my credit report. I have tried to recently contact the company and was informed through automation that my account is closed and has been returned to XXXX. Im confused because the original creditor says XXXX and the collection account is still appearing on my report even though it says closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my accounts or inquiries Hello I'm a XXXX and I'm very busy. I have so many inquiries and collection accounts that doesn't belong to me I need them removed please. How can a collection agency put information on your credit and you never signed anything with them? This is all illegal. There's no names of these agencies. They talk very unprofessional. They cant proof this is mines. I contacted the three credit bureaus several times and no answer to a solution. They say its the collection agency the collection agency says its the credit bureau INQUIRIES XXXX Inquiry : XXXX/XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX/XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXX XXXXDate of Inquiry :  XX/XX/XXXX Inquiry : XXXX XXXX XXXX   XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX   XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXXInquiry : XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX TRANSUNION Inquiry : XXXX XXXXDate of Inquiry :  XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, VA XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of Inquiry : XX/XX/XXXXContact : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXXDate of XXXX : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX  XXXX, NY XXXX | ( XXXX ) XXXX Inquiry : XXXX-XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX XXXX, CA XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXtDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, FL XXXX | ( XXXX ) XXXX Inquiry : XXXX/XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX, XXXX, WI XXXX | ( XXXX ) XXXX Inquiry : XXXX XXXX XXXXDate of Inquiry : XX/XX/XXXX Contact : XXXX XXXX XXXX XXXX, XXXX, GA XXXX | ( XXXX ) XXXX ACCOUNTS Balance {$450.00} Original Creditor : not available XXXX XXXX Act. # XXXX  Opened XX/XX/XXXX Balance {$560.00} Original Creditor : not available XXXX   XXXX Act. # XXXX Opened XX/XX/XXXX Balance {$470.00} Original Creditor : not available XXXX XXXX Act. # XXXX Opened XX/XX/XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available XXXX  XXXX Act. # XXXX Opened XX/XX/XXXX Reported Closed Condition Balance {$270.00} Original Creditor : not available XXXX  XXXX Act. # XXXX Opened XX/XX/XXXX Reported Closed Condition Balance {$1700.00} Original Creditor : not available
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX my date of birth is XXXX  and I am a victim of identity theft. There are multiple fraudulent credit cards showing on my credit report that I didnt apply for
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXXXXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, XXXX, and Equifax have 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 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 or 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 data is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX INFORMATION SERVICES, XXXX. 
XXXX XXXX XXXX XXXX, GA XXXX RE : INQUIRY REMOVAL Dear Sir or Madam, While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquiries made by the following company : 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 I did not authorize anyone employed by these companies to view my credit report or make any injury to my credit score. I did NOT benefit from these inquiries on my credit report and I did NOT authorize these companies or EQUIFAX to negatively impact my credit score. 
I demand that they be deleted. 
This constitutes as fraudulent activity due to the unauthorized use of my credit card. In addition, I did not give you EQUIFAX permission to furnish this information onto my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes as fraudulent activity but is a serious breach of my privacy rights. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. 
I also demand you, EQUIFAX to produce a contract between you and I, consumer, bearing my signature showing that I gave you permission to furnish any information on my behalf. 
In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to produce the requested contract and to complete this investigation, as per the Fair Credit Reporting Act section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a request for validation and debt dispute from XXXX XXXX XXXX. I have XXXX  over speaking to people on the phone and I decided to use the chat feature on and I found myself talking to a Customer Service Agent who refused to acknowledge my request or document it on my account. ( Chat Transcript attached ). The company responded on XXXX. However their response was incomplete. I am attaching the company 's response and also all of the information that was missing which I provided in the feedback section of the XXXX XXXX. The company did not respond to my additional requests for information. Most importantly they did not provide information from the original creditor. They did not provide documentation that there is a valid basis for claiming that I am required to pay the current creditor. THere is no copy of the written and signed agreement that created my original requirement to pay. There is a whole list of information for which they did not provide answers to in their original response. I requested the feedback on XX/XX/XXXX. Today is the XXXX day since my request and I have not received any information on my additional requests. Since the time has passes without a response I am requesting that this collection be removed from my credit report and stop hurting my credit. 

I am also attaching a letter from XXXX  XXXX acknowledging that they sold the account to XXXX XXXX XXXX in XXXX XXXX, CA in XXXX. In the letter they also acknowledge they no longer have the written agreement for this account nor information about the original creditor.
Product: Debt collection

Mountain Run solutions is trying to collect on a debt from " XXXX XXXX XXXX '' for {$4000.00} from me. I have never done any business with Mountain Run Solutions or XXXX XXXX XXXX in my life. I've reached out to Mountain Run Solutions and XXXX XXXX XXXX and that have refused to stop collection efforts or remove this account from my credit report without me paying the fraudulent debt. I have asked several times for a signed contract or written proof that this debt is mine and they have no provided ANYTHING. All they have been able to provide me was with a bill with my name on it which doesn't prove anything. Either they are running a scam on me or someone has opened an account in my name without my acknowledgement and has left me with the bill. Either way I do not owe Mountain Run solutions or XXXX XXXX XXXX anything because I personally have not done any business with them. I am contacting the CFPB because I haven't gotten anywhere with these guys and hoping you all can help. I am prepared to take legal action against Mountain Run solutions and XXXX XXXX XXXX for violating my rights under the FRCA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I became a Covid-19 affected employee. I missed a payment on my XX/XX/XXXX account in XXXX 2020. I requested that XX/XX/XXXX forgive my past due payment, due to my spotless 3 year payment history, and they sent me a letter stating they would remove my XX/XX/2020 late payment. I have attempted 4x to get the credit bureaus to update my account based upon the creditor 's correspondence, but they continue to fail to update and now refuse to allow me to further dispute this item to get it reporting accurately. I am trying to apply for a mortgage but I am receiving decline notices due to this very recent blip on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : File Number XXXX Dear TransUnion Team, I am writing in response to your letter dated XX/XX/XXXX, concerning my dispute ( File Number XXXX ). I appreciate your acknowledgment of the additional information provided on XX/XX/XXXX, and the extension of the investigation period to XX/XX/XXXX. 

I would like to take this opportunity to emphasize the importance of compliance with both federal and state laws regarding credit reporting and consumer rights.

Federal Laws and Regulations 1. Fair Credit Reporting Act ( FCRA ) : Under the FCRA ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy and privacy of information contained in consumer reports. Any inaccuracies must be corrected promptly, and investigations should be conducted in a thorough and timely manner. 
2. Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA ( 15 U.S.C. 1692 ) governs the practices of debt collectors and mandates that all collections must be based on accurate and verifiable information. Any debt that can not be verified must be removed from the consumers credit report. 

New York State Laws 1. New York General Business Law ( GBL ) 601 : This statute prohibits the use of false or misleading information in the collection of debts. It also mandates that consumers must be provided with clear and accurate information regarding their debts.

2. New York Fair Credit Reporting Act : Similar to the federal FCRA, New York States version ensures that credit reporting agencies operating within the state maintain accurate records and provide consumers with access to dispute and correct any inaccuracies in their credit reports. 

Request for Prompt Action Given the legal requirements under both federal and New York state laws, I respectfully request that TransUnion expedite the investigation process and ensure full compliance with all applicable regulations. If the investigation reveals any inaccuracies or unverifiable information in my credit report, I expect such information to be corrected or removed immediately. 

Additionally, I request a detailed report of the findings of your investigation, including any actions taken to rectify the disputed information. 

Thank you for your prompt attention to this matter. Please contact me at XXXX or via email at XXXX if you require any further information from my end. 

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

XXXX XXXX XXXX XXXX ON BEHALF OF XXXX XXXX  was Paid in full. The Collection Supervisor, XXXX XXXX stated, '' We will have account Deleted from all three credit reporting agencies when paid in full ''. ACCOUNT PAID IN FULL 2 weeks ago.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a collections on my credit report. I contacted the collection agency, Portfolio Recovery Associates, by sending a letter that they received on XX/XX/2018 asking for validation of the debt. Two weeks or so later, the collection was removed from my credit score and my scored is raised significantly ( obviously ) Didnt hear back from the company. Jump to one week ago, receive a letter in the mail from PRA giving general information but not validating the debt. Although it does say that the statue of limitations has expired and I cant be sued for this debt. The letter was dated XX/XX/XXXX but I didnt receive it until XX/XX/XXXX. The collection was then put BACK on my credit score causing it to plummet over XXXX  points. This greatly affected my personal life. They also sent me a second letter with payment options even though I have no claimed any responsibility for this debt as they have yet to validate it. Last weekend the collections was taken off my credit score AGAIN, but my score only raised about XXXX points.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the continued presence of inaccurate addresses on my credit report. Despite prior disputes, this incorrect addresses remain listed : These addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact my credit report. 
XXXX XXXXXXXX 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
Product: Credit card or prepaid card

In XX/XX/2021, I opened a dispute with my credit card for a charge. In XXXX, I called back to check the status. They told me they needed more information. On XX/XX/XXXX, I faxed them all the information about the claim, including the Merchant policy that was not honored and evidence backing up the claim. I called back on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to check the status of my dispute. Each time they told me that either I hadn't faxed them information yet XXXX which if false ), or that the claim was still being processed and I would receive an update within the next few weeks. It has now been almost 180 days since I opened the dispute, and 120 days since I called back to check on the status. Consumer protection law says that the credit card company must acknowledge the dispute within 30 days, and respond within 2 billing cycles ( ~60 days ). No matter how you write it, it is well past the allotted 90 day period and I have not received a single response or update. 

Additionally, my friends made the exact same purchase with the exact same merchant with different credit card companies, and they initiated disputes in XXXX and their disputes were solved XXXX in their favor ) in XXXX. So other credit card companies recognized this merchant as faulty back in XXXX, yet my credit card company has not even sent me a response and it is XXXX already.
Product: Credit card or prepaid card

{$500.00} Vanilla gift card was given to me by my boss. After trying to use is found out there was {$490.00} fraudulent charges in the amount of {$5.00} increments over a period of just a few days. Filed a fraud claim back in XXXX XXXXwith vanilla ( as per Vanilla ) and still no response from vanilla gift card after multiple attempts to to get this resolved. They keep telling me they are emailing the fraud department to find out the status.
Product: Checking or savings account

My checking account was compromised and it was closed because of that and I did have some money in my account at the time.
Product: Credit card or prepaid card

I went to the XXXX XXXX XXXX on XX/XX/2020 at approximately XXXX to reload my Prepaid AE Serve Card.  The clerk swiped my card and I gave him {$500.00} cash. {$490.00} to be reloaded on the card and {$3.00} for the service. He told me that it wouldn't go through and gave me my {$500.00} cash back. I left the store and drove to the XXXX XXXX XXXX about 3 minutes away. At the XXXX XXXX XXXX where I normally reload this card. So I swiped my Prepaid AE Serve Card and gave the clerk {$500.00} cash. {$490.00} for the reload and {$3.00} for the service. The clerk handed me the receipt and I left. When I got home I checked my card and found a {$0.00} balance. On my Prepaid AE Serve Card Account 2 transactions on XX/XX/2020. 1st is a reload at XXXX   XXXX  for the amount of {$490.00}. And the second ( last ) transaction a withdrawal from XXXX XXXX for {$490.00}.
Product: Debt collection

PORTFOLIO RECOVERY is reporting XXXX debt collection accounts on my credit report. I have disputed the account. PORTFOLIO RECOVERY has signed verification of certified mail dispute on XXXX/XXXX/2016. 

Upon further investigation, I have retained new copies of my credit reports, and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on XXXX/XXXX/2016. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law