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

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX
Product: Credit reporting 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. 

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 BANKRUPTCY XXXX XXXX BANKRUPTCY XXXX XXXX BANKRUPTCY 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 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 or other personal consumer reports

I am very upset by this as I have already fought this and proved that this was not my account, they removed it. It was previously under XXXX XXXX under account number XXXX. They must have sold it to a new company, but I have already proven this is not mine and they removed it. I have reached out to the new company with no response. I have asked them to verify the debt and they have not.
Product: Prepaid card

I work as a translator. I have received several Blackhawk XXXX XXXX as gifts or tips for my work from my clients. The gift or tip amount has been around {$5.00} to {$10.00} each. 

Between XXXX and XXXX, I had no issues with redeeming and spending the Blackhawk XXXX XXXX  as gift cards ( documents available ). 

XXXX of the Blackhawk XXXX XXXX " Terms and Conditions '' stipulates : their digital gift card XXXX be given intentionally to another party to use ( see attachments ). 

When the Blackhawk XXXX XXXX  are used as gifts, then the recipient must necessarily be different from the giver. 

I have been told : a few of the Blackhawk XXXX XXXX  customer service representatives at XXXX helped redeem the cards as gifts because the redemption website was down for months in XXXX. 

My clients and I are very concerned about the XXXX company violating their own rules.

One of my clients and I have been able to unblock one card after contacting Blackhawk over a XXXX week period in XX/XX/XXXX and answering the same questions over and over. 

XXXX of the Blackhawk supervisors from XXXX XXXX called me to verify who I am. He then asked for my driver 's license and utility bill. 

The case number is XXXX. The card was finally unblocked, and the dormancy fees removed, on XX/XX/XXXX ( see attachments ). 

Unblock the other cards as well. 

Treat all the cards all equally. 

I have also 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, my clients and I are very concerned about the Blackhawk company violating their own rules. 

We called XXXX. This is the same number Consumer Financial Protection Bureau has on file about this company. 

The phone number used to call was XXXX. The date was XX/XX/XXXX. 

We spoke with XXXX and XXXX. Both of them falsely claimed that they work at the front desk at the XXXX, XXXX  Blackhawk Network building. 

What they did not know was : We live close to XXXX, XXXX. 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: Credit reporting, credit repair services, or other personal consumer reports

They are illegally reporting this account as XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX Payment History Last payment XXXX XXXX XXXX Current Payment Status In Repossession Worst Payment Status No Info They have ignored my request for a copy of the Finance Contract AND Account Ledger as evidence to prove this account status/comments. I've made this request by email, by certified return receipt mail, and also by hand delivery to the Registered agent known as XXXX XXXX, PA. 

If they are unable ( or unwilling ) to provide such evidence to me either by mail or email, then pursuant to the FCRA, they must delete the account in its entirety.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding inaccurate reporting on my credit reports by Equifax and XXXX. According to my credit reports from these agencies, there is a late payment recorded from XXXX XXXX XXXX XXXX in XX/XX/year>. Equifax is indicating a 60-day late payment, while XXXX is reporting a 30-day late payment. However, I would like to assert that these reports are entirely inaccurate, as I have never been late in making payments to XXXX XXXX XXXX XXXX. 

As a responsible consumer, I closely monitor my credit reports to ensure accuracy and maintain my financial integrity. The erroneous late payment entries not only misrepresent my creditworthiness but also violate my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies must provide fair and accurate information, and it grants consumers the right to dispute and rectify any inaccuracies in their credit reports. 

I have taken the necessary steps to dispute these inaccuracies directly with Equifax and XXXX, as per the FCRA guidelines. However, despite providing evidence supporting my claim of never being late on my payments, the incorrect entries persist on my credit reports. This failure to address and correct the inaccuracies is deeply concerning and undermines the integrity of the credit reporting system. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and intervene to ensure that Equifax and XXXX adhere to their obligations under the FCRA. It is imperative that these credit reporting agencies rectify the inaccurate late payment entries on my credit reports and take measures to prevent similar errors from occurring in the future. 

Enclosed with this letter are copies of relevant documents supporting my claim, including statements from XXXX XXXX XXXX XXXX confirming my timely payments during the period in question. I trust that your office will promptly address this issue and take appropriate action to resolve it. 

Thank you for your attention to this matter. I look forward to your swift response and resolution of this dispute. 

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

You are reporting incorrect and accurate derogatory information on my consumer report and I have already made you aware of it and you continue to report that derogatory and accurate information on my customer report and now youre defaming my name and character 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly DELETE that item of information from the file of the consumer. 

FINAL Complaint. NEXT LITIGATION.
Product: Debt collection

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore , under 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting the immediate removal of this inaccurate information. There are multiple inaccuracies associated with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my Follow-up complaint to ensure that these items must be removed : XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Updated : XX/XX/2022 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$5800.00} XXXX XXXX Bankruptcy Discharged Reference # : XXXX XXXX XXXX Bankruptcy Discharged Reference # : XXXX I complained to question the listed items in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized.
Product: Debt collection

I have been trying to communicate with PYOD through various disputes since XXXX 
They have provided no proof of the original agreement with my signature and/or any other identifying information. I do not believe this debt belongs to me as I did not open an account with XXXX XXXX, the original creditor for the debt collection.
Product: Checking or savings account

On XX/XX/2022 - My husband was able to work into Navy federal Credit union and make changes to my savings account without my permission. 
I am the sole owner of my savings account-This was not a joint account. 
XXXX XXXX XXXX XXXX made a demand that he wanted his name off of all of my accounts. 
Instead of contacting me about this matter they aloud him to make changes to my account. 
So, how safe is my money? Can anyone walk into the XXXX branch in XXXX, Texas and make changes. 
They explain that XXXX XXXX had hacked my account- He was not a authorize to look or make changes but the XXXX let him make what every changes to the account. 
no, your spouse can not make changes to any of my account unless it is a joint ownership. The saving account was not joint. 
XXXX XXXX did not hack the account XXXX gave his permission to make changes on my account and this is against all banking regulations.
Product: Debt collection

XXXX XXXX ( I believe was his name ) of Sunrise Credit Services has been calling my cell phone every day up to 3 times a day for months now, never once leaving a voice mail. I asked them to stop, but the calls persist. The first time I called back a couple of months ago, he refused to identify the company he was with. Today I finally got it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  credit card off XXXXXXXX XXXX  was put in my name without my authorization & my knowledge, also XXXX XXXX XXXX  account of XXXX XXXX was reporting to my Credit report without my knowledge & Authorization these are both fraudulent accounts & Collections
Product: Credit reporting or other personal consumer reports

I recently reviewed my consumer report and notice an account is not reporting accurately. i have made payments on time. my XXXX is showing paid on time but my Experian and XXXX is showing late payments. please update all late payments to " paid on time '' or " Ok ''. with my XXXX XXXX bank credit accounts
Product: Vehicle loan or lease

Earlier this year I was at the end of my auto loan with Key Bank. Due to a TYPO on my part instead of sending a payment for {$240.00}, I sent a payment for {$3200.00} key Bank considered the loan paid in full. The check for {$3200.00} was returned f or NSF. I took the hit on charges for the returned check. The amount was an over payment up to the point of the check being returned. key Bank sent me a check in the amount of the overpayment, but there was NO LETTER explaining the check. I called Key Bank and was told that they DID NOT send me a check and the check I received was fraudulent and should not be cashed. I called the check verification line and was told that the check was good and that I could deposit it into my account. Before I deposited the check, I had the bank call Key Bank Key, they were given the same information. Key Bank without notifying me re-opened the loan and 2 months later sent me a Notice of repayment and a statement for late fees. I recently received a statement with a XX/XX/XXXX, Due Date but received it 12 days after the due date. I tried to contact the bank through their CHAT, but no one was available to talk to me with any authority to look into the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX/TransUnion/ XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

See Attachment accounts : I appreciate your prompt attention to this matter, and await your reply
Product: Credit card or prepaid card

Last year I worked with the fraud department at Chase to finally close a credit card account that had been opened in my name fraudulently. I didn't find out about the account until the person who had opened it in my name became unable to make the monthly minimum payments. At the time I found out about the account I immediately contacted Chase and reported that the account had been opened fraudulently. At the time I did not understand my rights under federal law and because Chase bank said that they would not release me from the debt I began making monthly payments on XX/XX/XXXX and continued to make payments until I finally was able to Chase 's fraud department to release me of the debt in early XXXX. Between XX/XX/XXXX and XX/XX/XXXX I made 44 monthly payments to Chase which totaled to the amount of {$11000.00}. Since Chase has released me from the fraudulent account I have made 4 requests to Chase for a refund of the {$11000.00} in payments that I made to them. The last request which I sent in writing, in XXXX of XXXX. This request included detailed documentation of the payments I made, including copies of the email confirmations I received after making all 44 payments however Chase has continued to refuse to even respond to my request for a refund of the payments that they illegally obtained from me by threatening to report non-payment to the 3 major credit bureaus. I am hoping that your agency can help me receive a complete refund of the payments that I made to Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XXXX
Product: Debt collection

XXXX XXXX sent my debt to a collection agency. The agency was called " XXXX XXXX XXXX. '' This agency sent me a letter stating that if I paid XXXX by XX/XX/18, that the remainder would be forgiven, and the balance be considered " settled in full '' and those words were in BOLD font. After reading the letter I received, I was given to understand that I would not receive a forgiveness of debt XXXX, that this was a " settled debt ''. 

I called in to confirm that this was correct, and identified myself and stated that I would do so. they wanted credit card payment but I stated I would be sending a check. They said it had to be received by XX/XX/18. I accepted the offer and complied. 

I sent the check on XX/XX/18, and it cleared my bank XX/XX/18 in the exact amount stated on the letter from XXXX XXXX XXXX XXXX XXXX. 

I was declined for a car loan yesterday by XXXX XXXX XXXX XXXX due to this derogatory information. I can only assume my credit score would be improved if this had been corrected in XXXX when it was paid. 

I went to a XXXX store today and was connected DIRECTLY from their store line XXXX to Diversified Adjustment XXXX, who ( Diversified Adjustment ) stated that they " had no North Carolina Insurance Permit '' and that I owed the remaining {$440.00}. They said that they had been assigned the debt on XX/XX/18, and specifically stated that XXXX had assigned the debt to them. I am also enclosing an email from Diversified Adjustment dated today showing my debt is marked " no balance due. ". 

As I was inside the XXXX Store ( 3rd party retailer ) the Customer Service Agent heard the Diversified Adjustment person say that " only XXXX '' could correct this and the XXXX person say that " they had no control '' over this debt. 

It appears that XXXX sold this debt twice. It was clearly assigned to XXXX, XXXX and I met their offer and timely replied. XXXX gave it back or sold it to Diversified Adjustment. I even got an email today showing a " confirmation number '' of paid in full from XXXX. Settled in full means settled in full. It doesn't mean another go round. 

My bank, through their online bill pay system put the phrase " payment on account '' instead of " payment in full settlement of a disputed amount '' on the memo line. I was unfamiliar with the online bill pay system and put the " comment '' field different from the " invoice '' field, and so it did not say " settled in full '' on the check, but my bank has an internal record of that request. I am not upset at the bank, they did their part and sent the check to the collection agency.
Product: Debt collection

On XX/XX/2021, I received an alert from my credit monitoring app, XXXX, in regards to a collection that has been reported by Radius Global Solutions for the amount of {$51.00}, account # XXXX. My spouse called the collection agency in an attempt to rectify this matter by having it removed from my credit so we could pay it. RGS refused to do so and claims can only report it as paid. While I understand there are certain aspects that are governed by the FCRA when it comes to credit reporting, I am also understanding of the fact that as unsophisticated consumers, we were not given the chance to reasonably resolve this debt. After all, it is only {$51.00} and are able to pay it. However, the damage to the credit has been done and paying will do nothing. 

We never received a validation notice or even a phone call advising that they had received the account at their agency. If we would have been made aware that it was owed, we would have been more than happy to resolve the debt. While I am not disputing the debt at this time, I am submitting this complaint in regards to never receiving the validation letter at the correct address which would have notified me of my rights under the FDCPA and for this matter I feel that the company his performing abusive and deceptive acts and practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX 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 Bankruptcy, 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 Account Name : XXXX XXXX XXXX XXXX Acct number :
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX XXXX is inaccurately reporting on my credit profile associated with my social security number and is in violation of my consumer rights per the following information : Based on the information provided, there are a few inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ). 

First, there is a discrepancy in the account number between XXXX and XXXX. XXXX shows the full account number as XXXX, while XXXX shows only the first XXXX digits as XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Second, Equifax does not provide any information about the account type detail. XXXX and XXXX both show the account type as " Revolving '' and the account type detail as " Credit Card '' for XXXX and blank for XXXX. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Third, there is a discrepancy in the high credit amount reported by Equifax. XXXX and XXXX both show the high credit as {$730.00}, while Equifax shows it as {$600.00}. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

Finally, there is a discrepancy in the last reported date between XXXX and XXXX. XXXX shows the last reported date as XX/XX/2016, while XXXX shows it as XX/XX/2016. This inconsistency violates FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. 

In summary, the inconsistencies in the credit report violate FCRA Section 607 ( b ), which requires consumer reporting agencies to provide complete and accurate information. Specifically, the inconsistencies involve incomplete account number reporting, incomplete account type reporting, inaccurate high credit reporting, and inconsistent last reported dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to dispute this matter with the credit bureaus and i have not been given a response. I sent in a formal dispute on XXXX to all three credit bureaus. I need these accounts to be investigated because they are misleading and reporting inaccurate information and is violating my consumer privacy rights.