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

This company is reporting on my XXXX report. I disputed this and XXXX said that this was verified as accurate. I did not authorize this. According to 15 USC 1681b ( a ) ( 2 ), I did not give NAVY FEDERAL CU written instruction to pull my report. Please send me proof with my written instruction and signature proving that I gave this company permission to obtain my report. I have a right to privacy. If you cant provide proof it needs to be deleted immediately. I am requesting {$1000.00} for violation of my federal consumer rights. 

Company : NAVY FEDERAL CU DATE OF INQUIRY : XXXX XXXX XXXX XXXX
Product: Debt collection

Hunts and Henriques Attorneys at Law is collecting for XXXX XXXX Credit Card. Due to my XXXX and unable to work due to the XXXX, I hired a bankruptcy attorney Atty. XXXX XXXX. Hunts and Henriques were fully aware of my representation. They have tried to file a lien and a judgement without advising my attorney. They send me the letters as a form of a scare tactic.
Product: Debt or credit management

From XXXX of XXXX till XXXX of XXXX I paid monthly fees of {$130.00} for them to repair my credit. I got absolutely no results.
Product: Credit reporting or other personal consumer reports

There were multiple accounts reporting on my Consumer report that I did not consent to the violated my rights as a consumer. I received denials and damages to my livelihood because of it. I need REMEDY as Per 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and.

( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

Several ITEMS WERE DELETED FROM MY CONSUMER REPORT THAT I NEVER CONSENTED TO
Product: Debt collection

On XX/XX/2021 I sent a debt validation letter to Pro-Collect. They sent back a document that did not verify the debt and they are refusing to remove the collection account from my credit reports. This company is not a licensed business in the state of Mississippi so according to the Mississippi laws, they are illegally operating. The debt has surpassed the Statute of Limitations. I have never signed any agreement with this company or any company granting permission to pro-collect to collect any money from me. I do not owe pro-collect XXXX nor do I owe it to the Original Creditor. In reading the original contract the original creditor stated that all money owed is to be paid to them and NOT A THIRD-PARTY NEITHER DOES IT SPECIFICALLY LIST PRO-COLLECT. I reported pro-collect to the Mississippi Attorney General for illegally operating a business without registering it nor paying the state of Mississippi taxes. I also reported this company to the XXXX XXXX XXXX. This company has 30 Days to remove from my credit report or I will file a lawsuit in XXXX XXXX MS XXXX XXXX XXXX by XX/XX/2021.
Product: Credit reporting or other personal consumer reports

I received a call from XXXX XXXX XXXX  on XX/XX/year> stating if I opened up a credit card with them. I said no, they said because they suspected fraud and someone opened up a credit card of {$5600.00} and they tried to purchase furniture with it but they blocked it. I told them no i did not try to open up any account with them. XXXX XXXX cancelled the account and reported to you guys so the inquiry can get removed off my credit report as it is showing under my XXXX credit report. I checked my XXXX credit report and show another inquiry from brclysbankde and i searched them up and its a bank in XXXX. I called the bank and they said they dont have anything with my information but it is showing on my XXXX credit report as it being reported on XX/XX/year>. I put a freeze on my credit union account already but i would like to get the XXXX XXXX bank and Delaware bank removed from my credit report as it has affected my credit score. I called bank of XXXX XXXX on XX/XX/year> to confirm that my account is closed and they said yes.
Product: Debt collection

It has come to my attention that fraudulent accounts are staining my credit report, negatively affecting my overall financial standing. I insist on the immediate removal of these accounts to rectify the inaccuracies and restore the integrity of my credit history. 
XXXX FIN XXXX PLEASE DELETE!!! 
The presence of these fraudulent accounts is not only damaging my creditworthiness but also hindering my ability to secure favorable financial terms. I demand that your bureau conducts a thorough and expedited investigation into these accounts and takes prompt action to delete them from my credit report. 
I must emphasize that the continued inclusion of these fraudulent entries is causing severe distress and harm to my financial well-being. It is imperative that your bureau upholds the standards outlined in the Fair Credit Reporting Act ( FCRA ) and ensures the accuracy and fairness of the information it reports.
Product: Credit card or prepaid card

Follow-up from complaint XXXX. 

Blackhawk Network did not provide a reply that is consistent with the issue raised. More importantly, Blackhawk Network stated that as a one-time courtesy they would be helping me. This is absurd. There is no courtesy involved - I need access to the funds, but the card is not being activated despite all the information being correct.

Blackhawk Network, through its agent is lying to CFPB.

The main reason for this new complaint is that Blackhawk Network, in their reply on XX/XX/2021, stated : The consumer will receive the {$50.00} XXXX Prepaid Card within 15 business days..

15 business days have now passed, and I have not received the card, and I confirmed it has not even been processed yet ( tracking XXXX ). 

This is a serious issue, a financial fraud, so this complaint is also being sent to Attorney General. 

Blackhawk Network license to operate must be revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will file litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and XXXX have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

In the XXXX  of XXXX, I disputed a collection account posted by American Profit Recovery on both XXXX and XXXX XXXX. After 30 days, the collection account was deleted. Either American Profit Recovery did not timely respond or agreed to remove it, However with the next reporting cycle, the collection account reappeared, I notified both XXXX XXXX and XXXX. XXXX blocked the collection account from reappearing but XXXX XXXX did not and did not explain why, Please note that in XXXX, I sued XXXX XXXX for the exact same issue, therefore this issue apparently has never been fixed with there system.? the lawsuit was filed in the XXXX and was settled in my favor with a payment to me. 

The underlying account was for a lawn service by a company that promised certain things and failed to deliver so we fired them. We use a different service now and have for awhile,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian XXXX a late payment reported by XXXX XXXXXXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payments for XXXX and XXXX, XXXX are incorrect. I made the payments on time, as confirmed by my bank statements, which show that the payments were processed and cleared. The late payment status of " 30 days late '' is, therefore, inaccurate and should not be reflected on my credit report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX
Product: Credit card

I last made contact regarding the past due status of this account inXX/XX/2017. That is the date that should be reflected on my credit report. Discover Bank has changed that date to XX/XX/ after they decided to issue a tax write off document to the IRS. Therefore extending my eligibility to remove this off my credit report by an additional five months. I had the same thing happen with XXXX XXXX Bank and they did not change the last activity date. 

Request justification for this extension of time.
Product: Credit reporting or other personal consumer reports

The purpose of this message is to address an error that was found in a credit report that your business provided. There is some concern regarding this finding because it is clear that credit reports have a big impact on future financial decisions. 
An extensive analysis revealed that the information appeared to represent the credit history incorrectly. The particulars of the account information raising this concern are as follows. Such an unfavorable situation is a source of uneasiness. 
Account : XXXX XXXX : XXXX, Inaccurate account on my credit report due to the way it's reporting. If It can not be verified, remove the data from the account immediately. 
Finding a mistake in a document that ought to accurately depict financial obligations and habits is unsettling. My unwarranted concern stems from the discovered discrepancy 's apparent falsity as well as its apparent detrimental effect on the credit score. 
Because of the possible consequences that this error could have, the situation is unsettling. One does not want to be carrying false information that could reflect negatively on creditworthiness. 
On the other hand, cooperation is thought to be able to resolve this problem and guarantee the accuracy of the credit report. It is hoped that this issue will be resolved quickly in anticipation of a prompt response and action. Resolving the error will serve to both guarantee that the credit score is reflected appropriately and to reinforce confidence in your company 's dedication to providing accurate and up-to-date information. 


Account : XXXX  XXXX : XXXX, Reported account is falsely on the credit report because of how it's reported, and it does not match other bureaus. The item need to be deleted. 
Keeping an eye on credit reports and financial statements is standard procedure for a watchful consumer. Something didn't seem quite right about the credit report that was discovered during a recent review. Investigating and fixing this error right away is necessary. 
Because of your organization 's dedication to truthful and unbiased reporting, I am putting my trust in your ability to promptly address this issue. In order to prevent the inadvertent error from adversely affecting the credit history or future financial opportunities, a response is expected within the allotted time frame. 


Personal Information : Inaccurate employee data on my report. I need action taken to fix the reported issue. 
As a careful customer, you would think that there is a rigorous procedure in place to verify the data that is shown in a person 's credit report. Remarkably, the report included data that was far from adequate. It becomes necessary to investigate this false information for the sake of accuracy and justice. 
In order to proceed appropriately, a respectful request is made to your team to carry out a thorough investigation into this matter. Considering how serious the situation is, it is expected that your team will finish the investigation and share the findings in the allotted time.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate items in my report : 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 XXXX Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/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 XXXXXX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services is reporting on my credit file for a debt that I dont owe. I never received a notice for this and they are supposed to notify me before they put anything on my credit file. This debt was paid & should have never been sent to collection.
Product: Debt collection

Bill amount XXXX. XXXX XXXX On XX/XX/XXXX I paid Harris & Harris XXXX leaving a balance due of XXXX I entered into a agreement to pay the balance due each month on the XXXX. This company has my bank account information and a recurring charge appears each month XX/XX/XXXX is the final payment. On XX/XX/XXXX company received XXXX. XXXX will be taken from my bank XX/XX/XXXX, XX/XX/XXXX, with final payment on XX/XX/XXXX. 

In looking at my bank statement Harris and Harris notes balance due and different amounts are shown thus far. 
Company called XX/XX/XXXX to remind me of payment due for XXXX even after company has recurring debits which are taken from my bank account. 

Today, XX/XX/2019, at XXXX XXXX company call my cell. When I answered rep said is this XXXX XXXX, when I answered yes they hung up the home. XXXX  the same time I receive this company call my home which I did not answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my EQUIFAX credit report I recognized that I have XXXX hard inquiries that I have NO KNOWLEDGE of. The name of the companies are XXXX XXXX XXXX with hard inquiries listed for XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX. 

Upon reviewing my XXXX file I also noticed XXXX hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX showing for XXXX wf/dillards XXXX XXXX, IA XXXX that is showing for XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX IN XXXX Balance : -, XXXX XXXX XXXX, XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXXXXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
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 under 15 USC 1681. 

The following accounts have violated my rights : XXXX XXXX XXXX Account Number XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX 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 tha
t the information is inaccurate.
Product: Debt collection

I am involved in a debt lawsuit with this company beginning in XXXX and ongoing. 

The company failed to send a required XXXX XXXX prior to lawsuit. 

The company has filed multiple false and misleading affidavits in this case ( Attached ). 

Specifically, affidavits involving affiants XXXX XXXX and XXXX XXXX. 
This is in violation of XXXX 's recent XXXX agreement with the CFPB and the FDCPA. 

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b.2. This company has no permission to report anything using my information pursuant to 15 USC 1681 4.
Product: Debt collection

Cavalry Portfolio is incorrectly reporting a balance on my credit report in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing. Bankruptcy law requires all collection activity to cease, however, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, Cavalry is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX. XXXX. XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all.
Product: Credit reporting or other personal consumer reports

ON XXXX i asked XXXX to provide me with proof of the original contract or original purchase contract, proof they are legally bonded to collect in the state of Arkansas, any interest or fees accrued, or have been added, full accounting history with the original creditor, proof that they sent the required legal notices to me before reporting to the consumer reporting agencies, proof of ownership of the alleged debt and include proof of assignment for each change of assignment. I received no response.
Product: Credit card or prepaid card

Citi card turned on what was supposed to be an optional fee for credit protection services without asking if we wanted it. We had no idea that there was extra money being charged every month for a service that my wife and I never wanted and never agreed to. The company refuses too take any responsibility, saying it's on us to inspect our bills and see if they have added any new services without permission. We've been struggling for the last few years to pay off our debt with this company and the extra money that was going to the credit protection services is a direct cause of us not being able to get this debt under control. They can't or won't provide any proof that we agreed to the optional service. We never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I sent a letter to the US Bankruptcy Court of Arizona asking do they report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

However, such information shall not include specific factual information2 on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times : The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish account without my written instructions According to : 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.