23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I purchased this card last year. I used the card several times. ( A list activation is below along with the transactions that I did make. **see the ending balance of $ XXXX Date Category Amount Running Balance Merchant Details XX/XX/XXXX Value Load -- Activation {$200.00} {$200.00} XXXX XXXX XXXX XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$21.00} {$170.00} XXXX XXXX XXXX XXXX, XXXX XXXX XXXX US XX/XX/XXXX Purchase Original Sale - {$16.00} {$160.00} XXXX XXXX XXXX XXXX, XXXX XXXX, US XX/XX/XXXX Purchase Original Sale - {$37.00} {$120.00} XXXX XXXX XXXX XXXX , XXXX XXXX , US XX/XX/XXXX Purchase Original Sale - {$67.00} {$57.00} XXXX XXXX XXXX , XXXX , US XX/XX/XXXX Purchase Original Sale - {$13.00} {$43.00} XXXX XXXX XXXX XXXX , XXXX , US Someone had fraudulently used the card to purchase the transactions below on XXXX ( not by myself or any family member ) I have also contacted XXXX and they confirmed the purchases were NOT made by me or my family. 
XX/XX/XXXX Purchase Original Sale - {$30.00} {$13.00} XXXX, XXXX, US XX/XX/XXXX Purchase Original Sale - {$13.00} {$0.00} XXXX XXXX, XXXX, US I sent Blackhawk Network every piece of documentation that they requested. Which was a copy of the card front and back, a copy of the affidavit disputing the charges. A copy of the activation of the card. I even confirmed through customer service that they received this information. I even sent them the email from XXXX where they told me the purchases were not made by me. I attempted to get XXXX to reimburse me the charges and charge it back to the person that committed fraud. 

I then received an email yesterday that told me that I did not send them the required documentation and the purchase receipt for the card. I assure you ( and have proof that I sent this information to them ) They NEVER told me I had to provide a receipt. I purchased the card last year, who keeps receipts from a year ago? How would I know all the transactions and be able to confirm where I shopped if I was not the purchaser of the card? NOW they refuse to respond to me, and additionally when I call their customer service XXXX they have a message where they will not speak with me. The company is Blackhawk Network Holdings , Inc. the website to view the card which is XXXX. They have removed everything related to my card on line and refuse to speak to me by phone. 
This is information from the dispute form. 

Mailing Address : Email : Fax Number : ATTN : Cardholder Dispute Services XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX
Product: Checking or savings account

Frozen my account due too unusual activity preceded to send me emails saying g to verify my account which I did I emailed them on previous occasions and they never game response
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Checking or savings account

On XX/XX/04 I received my pay from work. I went next door to the Bank of America ATM. I withdrew {$780.00} and excepts a {$4.00} fee from that bank and a {$2.00} fee from my chime card. The machine said take my card and said dispensing cash now and I heard it counting the funds. Then a message appeared saying error. XXXX is unavailable and that the funds would be reversed. I have nothing. I had bills due which now have late fees and I missed XXXX days of work trying to get my money back. I have XXXX little girls and no money. I am requesting every dollar and my late fees from this bank. On XX/XX/04 I called chime and Bank of America. Bank of America, you can not reach them unless your customer and chime said they have to wait for the charge to be not pending. On XXXX it goes not pending and I call chime and they tell me that normally the money should go back to my account and I told them I wanted to file I dispute and they said wait to see if the money goes back to the card I wanted to dispute filed just in case and I need my money back now it's not fair that somebody can take my money and I have to wait for it back I want my money now from them I want immediate funds released I can't go the weekend with no money with XXXX little girls
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$50000.00} ; XXXX  XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the unknown/unauthorized credit inquiries, that are listed in the attached documents below, on my credit report and was advised that the information is correct and to contact each individual creditor for assistance. I should n't have to take the time to update each individual creditor when I should be able to dispute and get this handled through the credit reporting bureau.
Product: Credit reporting or other personal consumer reports

My student loans were paid off/down from about {$43000.00} to {$1200.00} XXXX of XXXX  I have a letter stating the new balance and that one of my loans was paid in full. I have contact XXXX multiple times, disputed with the credit reporting agencies, and called that this balance is showing inaccurate on my credit report. This is hindering me from moving forward with a few aspects of my life because of my debt to income ratio. Removing this {$43000.00} from my debt will help me tremendously. I have went through all avenues that I know how. I hope this can assist me. All I want if for my correct balance to be reflected on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Assistance in Disputing Negative Information on My Credit Report Dear Sir/Madam , I hope this message finds you well. I am writing to request your assistance in addressing and removing inaccurate or negative information from my credit report with XXXX, XXXX and Experian. I believe this information is erroneous and unfairly impacting my creditworthiness. 

I have reviewed my credit reports from both XXXX and Experian and identified several items that I believe to be incorrect or outdated. I respectfully request that these credit bureaus review the information and remove any negative items that do not meet the necessary legal standards for reporting. 

I kindly request that the CFPB act as an intermediary to communicate with XXXX and Experian to resolve these issues. Your assistance would be invaluable in helping ensure that my credit report accurately reflects my financial history and complies with all applicable regulations under the Fair Credit Reporting Act ( FCRA ). 

Please let me know if any additional information is required from my end to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and a resolution to my dispute. 

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

XXXX XXXXXXXX Account Number XXXX In accordance with the Fair Credit Reporting Act XXXX Account # 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 an account without my written instructions. 

CFPB has already investigated and results were to be removed off XXXX XXXX my credit report however its is still showing on XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX  Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Student loan

Navient offers limited weekday customer service hours and their phone system malfunctions regularly -- their automated callback system hangs up on customers, and calls are frequently dropped while on hold. 

Literally every time I have ever attempted to recertify my income information to maintain my XXXX plan for another year, something has gone wrong resulting in me being accidentally placed in a new plan and subsequently overcharged by hundreds of dollars. Last year it took more than 5 lengthy phone calls with agents before I was finally enrolled in the correct plan. Agents provided misinformation or processed my requests incorrectly. This has resulted in late payments and deferments ( at the suggestion of Navient agents ) which will ultimately affect my ability to reap my Public Service Loan Forgiveness as a XXXX XXXX. 

I called in an attempt to seek help from an agent ( XX/XX/2018 ) to avoid these familiar problems for the coming year. I was refused help -- the agent refused to enroll me over the phone and simply told me what boxes to check in their online FSA form. Lo and behold, their information was wrong once again. We followed the agents instructions and both my husband and I experienced massive increases in our payment amounts despite the fact that we sustained only a very meager income increase from one year to the next. While our income is virtually the same, we collectively are being charged more than $ XXXXmonth more than we were charged last year, with no explanation. 

The most frustrating part about all of this is that I am routinely unable to access my statements and online communication regarding my federal loans ( today included ). No matter what browser or device I use, I am unable to access my inbox. It loads and loads and eventually logs me out or " expires '' / '' times out ''. This is unacceptable. I can not view my account statements. I can not see what new plan I've been enrolled in or how my new payment amount has been calculated. 

I am a XXXX XXXX XXXX working hard to repay my loans and my experiences with Navient indicate that, not only are they shirking their responsibility to help me continue to pay for my education -- they are actively hindering my ability to access information about my finances and maintain control over this very significant financial burden.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX recently sent me an email and mail about my information being in the XXXX data breach. Once I discovered this I pulled my credit reports and found there were multiple addresses that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( 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, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the addresses and or the information listed below : XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Address ID # XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX have attached a copy of my ID for identity verification and a bill for address verification.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX Self Financial/Lead XXXX XXXX XXXX XXXX  XXXX , MO XXXX XXXX To Whom This May Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurate information is not only stopping me from obtaining credit, it is damaging my financial well being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this process. 
By provisions of 15 US section 1681i of the Fair Credit Reporting Act, these items need to be investigated. Please provide me with proof of these items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life. 
The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : ACCOUNT NAME : Self Financial/Lead Account # : XXXX This account is listed as a collection/charged off account on my credit report but I have not received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge off for tax purposes and please update my credit report accordingly. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation. 
I appreciate your prompt attention to this matter as these may seem like small reporting errors to you but they are serious offenses on my report when it is time to purchase a home, a vehicle, look for a business loan or even to obtain employment. 
Please consider expediting this process for me. Thank you. 

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

In accordance with the Fair Credit Act XXXX  XXXX  XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have mailed notices to the company on both XX/XX/XXXX and XX/XX/XXXX, instructing this company to remove the individual transactions and change the account disposition to " paid as agreed ''. 

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : This company is in clear violation of the law. Under 15 USC 1681 ( b ) - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Did I : give you written instructions to furnish this on my credit report? No Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) G ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " '' consumer report '' does not include- ( A ) Subject to section 16815-3 of this title, any- report containing information solely as to TRANSACTIONS or EXPERIENCES between the consumer and the person making the report ; TRANSACTIONS ARE IN FACT NOT TO BE INCLUDED ON THE CONSUMER REPORT, PER CONSUMER LAW.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Subject : Formal Dispute of Charge-Off XXXX XXXX Account To whom it concern, I am writing to formally dispute the charge-off notation on my credit report regarding my Navy Federal account, which was opened on XX/XX/XXXX. The account reflects a charge-off of {$5800.00}, with a written-off amount of {$5800.00}, and a past-due status as of XX/XX/XXXX. I believe this reporting is inaccurate and request an immediate investigation under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681i ]. 

Upon reviewing my records, I have reason to believe that this debt has been sold or transferred to a third party. If XXXX XXXX XXXX XXXX no longer owns the debt, they may no longer have the legal right to report the charge-off balance. As such, I request verification of the ownership and legal authority of XXXX XXXX to report this account in its current status. 

Under the FCRA, any information reported to credit bureaus must be accurate, complete, and verifiable. If XXXX XXXX XXXX XXXX is not the current owner of the debt, I formally request the following : Verification of Debt Ownership Provide written documentation that XXXX XXXX XXXX XXXX retains ownership of the debt and has the legal right to report the charge-off status. 
Proof of Account Status If the account has been transferred or sold, provide verification of the entity that currently owns the debt. 
Immediate Removal if Unverifiable If XXXX XXXX can not provide verifiable proof that they are legally authorized to report this charge-off, I demand that this account be deleted from my credit report immediately in accordance with FCRA guidelines XXXX 
I have enclosed copies of my identification, proof of address, and a copy of my credit report highlighting the disputed account for reference. 

As required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I expect a response within 30 days of receipt of this letter. If the disputed information can not be substantiated, please ensure its removal from my credit file and provide me with a written confirmation of the deletion. 

Please confirm receipt of this dispute and provide me with the results of your investigation in writing. Thank you for your prompt attention to this matter. 

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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX - Account XXXX Account Name : XXXX XXXX XXXX  - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX XXXX - Account XXXX Account Name : XXXX XXXX - Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX CAP XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 XXXXXXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 I forwarded {$2000.00} in XXXX currency through Sendwave to a relative in XXXX. I was told shortly after that they were unable to deliver the money due to an issue with the bank in XXXX. They asked what I would like to do, giving me the option to send the money in smaller increments or gey a refund. I chose to get a refund, so I was told that I needed to fill out a refund form. I initially sent incorrect information but then corrected my error. They said they were unable to process the refund and that I needed to check with my bank. The card I used was compromised and my bank cancelled it and replaced it so I gave Sendwave the new card number. They kept continually asking me to fill out a refund form. I explained that I had numerous times. They then said they could not use the card I submitted and did I have another card which I do not. Then they asked for my banks fedwire routing number which I provided. The latest request that I received from them asked me to fill out a refund form.This has been going on for over three months of emails. They also said they would send the refund by check. Please help me resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company Response Trade : FIGURE LENDING LLC XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM.. XXXX : XXXX XXXXXXXX XXXX XXXX XXXXXXXX THAT THIS ITEM BELONGS TO YOU. 

XXXX reviewed the complaint, relevant documents, and completed an investigation where applicable. 
Feedback provided STATUS Feedback provided on XX/XX/2023 Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES : NO!
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all, I never applied for any accounts with XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX, ( Original Creditor : ) XXXX, XXXX XXXX XXXX XXXXXXXX therefore I have no knowledge about this company. Can you please just remove this information off my credit report so that I may go on with my life. Thank you.