23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

One of the Blackhawk Network ( " BHN '' ) Prepaid Mastercard Terms and Conditions stipulates : their digital gift card may be given intentionally to another party to use ( see attachments ). 

When the Blackhawk Prepaid Mastercards are used as gifts, it follows that the recipient must necessarily be different from the giver.

Per their Terms and Conditions, I " intentionally gave another party, '' XXXX XXXX, " their digital gift card to use. '' XXXX XXXX is my partner/ common law. 

Since XX/XX/year>, however, BHN has been blocking and blacklisting XXXX XXXX from all of his Prepaid Mastercards, NOT just the gifted cards but also the ones he had purchased on his own. 

Stop " blacklisting '' XXXX XXXX. Unblock his cards.

BHN has even asked for my government ID and a utility bill. I have complied with their requests, covering up the private information because BHN is not a bank or the police. 

XXXX XXXX has submitted a CFPB complaint of his own, a complaint smilar to mine ( COMPLAINT ID XXXX ). 

But, BHN responded by simply repeating his complaint, not addressing the complaint at all.

I have experienced and been told by many others as well : a few of the Blackhawk Prepaid Mastercards customer service representatives at XXXX helped redeem the cards as gifts because the redemption website was down for months in XXXX 

I am very concerned about the Blackhawk company violating their own rules.

I have contacted the program administrator and sponsor. According to them, there is a " conflict '' or " violation between BHN and the terms and conditions of BHN. '' Again, I am very concerned about the Blackhawk company violating their own rules. We called XXXX. This is the same number CFPB has on file about this company. 

The phone number used to call was XXXX. 

The date was XX/XX/year>. We spoke with XXXX and XXXX. Both of them falsely claimed that they work at the front desk in the XXXX, California Blackhawk Network building. 

What they did not know was : We live close to XXXX, California. We were calling them right outside the building. 

There was no one named XXXX or XXXX at the front desk. Actually, the building appeared to be out of business. Both XXXX and XXXX clearly said ( paraphrased ) : The cards may be gifted so long as the recipient can be verified by providing them with a utility bill and the original email with a redemption link. 

Also, the Blackhawk redemption website often has errors, stating try again later for months until the cards expire, after which Blackhawk would keep the entire money as monthly fees.
Product: Debt collection

I just received a collections letter from ERC for a supposed overdue bill to XXXX XXXX for {$110.00}. The date is for XX/XX/2019 but I did not receive it until now because it was sent to a relative 's address instead of my address. I never used that address while I was a customer of XXXX XXXX. I have not had an account with XXXX XXXX in over three years and I had to dispute an automatic payment with them the month immediately following canceling services which they refunded. The letter also does not include any information about how to dispute the charge. The bill also does not show up on my credit score. I strongly suspect that this is either not an actual collections agency or that someone associated with the agency has created a fraudulent account.
Product: Debt collection

I have a collection on my report from a collection agency ( Professional Bureau Of Collections ). Opened XX/XX/XXXX last reported XX/XX/XXXX, {$3000.00}. I was never informed of my right to dispute. Please investigate this matter and remove this collection from my credit reports. Please verify if this agency has a license to collect in Arkansas. Their address is : XXXX XXXX XXXX XXXX XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
Bankruptcy XXXX XXXXdischarged Reference XXXX  : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I Have disputed a fraudulent account which went into collections with EQUIFAX over 4 times. Each time they claim they verified status and they keep saying they have not received the documents I uploaded via their own websites and also that I faxed to them. I have letters from both the collection agency : The original creditor XXXX XXXX XXXX has also submitted and it is not getting updated. I would like this removed from my credit report however I am tired of disputing it with EQUIFAX. Fortunately I provided the same proof for XXXX and XXXX and they removed it also immediately.
Product: Debt collection

My name is XXXX XXXX. Sunset finance company sent me a live check in XXXX they called me and demanded me to come in when I told them I was gon na be late on my payment I sent them a ceased and desist and they continued to call me multiple times to see when I was going to pay just recently they called me again and said they were sorry I understand That people make mistakes but they have called me numerous times on my account after I sent a cease and desist I called today in spoke with XXXX let her know Of the issue she told me that there's nothing she could have done and that they were all accidents and told me if I wasn't going to set up my remaining payment of {$79.00} that she was going to submit to my credit report and continue to call even after I told her I have a Ceased and desist I would like my account paid in full XXXX balance in this removed off my credit.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, Consumer furnished her signature on a credit application ( security ) with Discover ( financial institution ), which was given value by ones signature. 

Upon receipt of the security, the financial institution made an application to their local Federal Reserve agent. Financial institution made such application accompanied with a tender, Consumers security, of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application. 

The financial institution failed to distribute the Federal Reserve notes it applied for and was issued to Consumer and DENIED Consumer an extension of their credit. Pursuant to federal law, banks can not lend their credit or customer deposits. 

Upon request, the financial institution failed to return security as it had already been sold in a public offering on the global financial markets. 

The financial institution 1 ) is in violation of the provisions of their Trust Indenture on file with the Securities and Exchange Commission ; 2 ) is in violation of the Trust Indenture Act ( TIA ), which prohibits any person from selling a note, bond or debenture in a public offering unless it has been issued under an indenture and is qualified for TIA and specifically mandates that the right of a bondholder to receive payment on such security can not be impaired without the bondholders consent. The financial institution has impaired bondholders right to receive payment on the security ; 3 ) is subject to a claim of a property or possessory right in the instrument or its proceeds, including a claim to rescind a negotiation and to recover the instrument or its proceeds, pursuant to XXXX XXXX, and XXXX ) is involved in racketeering activity, pursuant to 18 USC 1961 ( 1 ), including but not limited to counterfeiting, extortionate credit transactions, financial institution fraud. Consumer has been injured by the financial institutions wrongful activity and XXXX allows for Consumer to recover treble damages.
Product: Payday loan, title loan, or personal loan

I got a loan for {$5000.00}. The interest is {$7000.00}, making the amount I'm paying back {$12000.00}. I thought there was a law against charging exuberant interest. 
I needed the money at the time & didn't notice the amount of interest. 
I just think someone should look into One Main Financial & have them review their interest. It's ridiculous!
Product: Student loan

The letter Great Lakes provided in claims XXXX. XXXX stated I attended the institution of XXXX XXXX college but they did not admit to the institution in question who committed the fraud which was the XXXX institution of XXXX XXXX, Nevada. I can not prove I attended this institution with school documentation because I did not attend this institution!!! My loan service through Dept of Education named Great Lakes Borrower claimed to have done there own investigation on the Institution in question. The claim they presented they opposed investigation claim they found to be true, was in fact inaccurate!!! XXXX XXXX college orchestrated the FRAUD through another institution. As a result the school has been closed, if the Department of Education knows this why are they still trying to hold me accountable for fraud one of their employees committed??? Did this person get jail time? There response does not justify this claim as resolved, there response does not justify a resolution to this issue. My original claim XXXX should have never been closed because it was not resolved. The letter they attached for their response is dated XX/XX/19, I NEVER RECEIVED THIS LETTER! SO how could be a resolution or explanation for the issue at hand when the letter was just written. Meanwhile, they continue to report to the credit bureaus and hurting my credit.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

WELLS FARGO CARD SER & WINGS FINANCIAL CRED Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
Product: Debt collection

This company is reporting to all three credit bureaus ( XXXX, XXXX, and XXXX  ) on my consumer credit report multiple conflicting and inaccurate information, including various account types, dates, credit limits, and payment history. The mentioned credit bureaus are also reporting these inaccuracies. I have requested proof with a signed contractual agreement from the company and disputed these inaccuracies with the credit bureaus but received vague verified responses with no proof and continued attempts to collect. It is my right as a consumer to dispute any and all inaccuracies and request appropriate validation of any accounts. These inaccuracies are in violation of the following laws : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX ; US Court of Appeals, Ninth Circuit, No. XXXX, XXXX vs. XXXX XXXX ; FCRA Section 623 ; XXXX, XXXX XXXX XXXX XXXX US Court of Appeals for the Third Circuit Court Case XXXX XXXX XXXX ; and FCRA Section XXXX Part ( A ) ( 1 ).
Product: Checking or savings account

Capital one has not deposited direct deposits of thousands of us based customers
Product: Credit reporting or other personal consumer reports

company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year> I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your reference.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX; XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX FXXXX  XXXX XXXX Balance : {$8700.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2400.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB. 
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided 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. 
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mai
l tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number XXXX XXXX Delete this account. 
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
5. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has a signature loan that is currently open an in good standing. On the credit report with XXXX, Experian and XXXX it shows the account is collection/chargeoff. The payment was behind 2 months but has been brought current.
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent Acounts to my credit file. As a result, I disputed this identity fraud with this company on XX/XX/XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX  XXXX ACC # XXXX, Date Opened XX/XX/XXXX, Balance {$120.00}, Original Creditor XXXX XXXX XXXX XXXX  
XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX  XXXX XXXX XXXX ACC # XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Credit reporting or other personal consumer reports

A debt went into collections and was supposed to be dropped form my report after six years. However, two days before it was to be dropped, XXXX XXXX XXXX put it back on and reset the clock. This is also in violation of Michigan State Law. Transunion completed it's investigation and told me the debt was legitimate. 
Transunion File Identification Number XXXX XXXX XXXXXXXX XXXX Reference Number : XXXX I was unaware I would be able to dispute this debt and therefore did not dispute it at the time it was put back on my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt.
Product: Debt collection

I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent letters over XXXX days ago to Experian and they are disregarding a regular consumer disputes. I'm stressed and have been sending letters before this and still no response.