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

This is the second complaint that I have needed to file with the Consumer Protection Financial Bureau against Discover in the last two months regarding a disputed transaction against XXXX. 

The products I purchased from this company made my dog sick. I am holding on to the products for FDA inspection. I have already filed the FDA report as well as one with my state attorney general. Therefore, I can not return the product, but I certainly should not be expected to pay for them. XXXX leads customers to believe that they purchase XXXX XXXX supplements directly from them -- they do not according to XXXX, which can be verified if Discover speaks directly to the company. So they mislead customers in to believing the products are not counterfeit, expired, or tainted when they have no way to confirm that they are not, because they buy the products from an unauthorized third party. XXXX XXXX never sells to online pharmacies ; they only sell directly to licensed veterinarians. 

If Discover fails to remove this charge permanently from this credit card, we will never make a purchase with them again. If these items would have been purchased with our XXXX XXXX or XXXX XXXX card, we would not be having these problems. I've had disputes with both of these credit card companies in the past, and they have always promptly and permanently removed the charges. 

Finally, when I re-disputed the charge with Discover for the second time, the rep I spoke with stated they were able to put it back into dispute status because XXXX didn't supply enough supporting documentation to show the charge was actually valid. Disover records conversations, so what she stated to be can be validated if the bureau requests the recording. Despite this, Discover took it out of dispute status anyhow and expected that we pay it. If this was the case, that XXXX didn't supply enough supporting documentation to validate the charge, they NEVER should have taken the charge out of dispute status. And I certainly don't believe XXXX supplied Discover with any additional supporting documentation this time around to validate they should be charging us for these items. Rather, I believe they took it out of dispute status just like they did before.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX has locked my account, I have called them several times. They arent willing to assist and are claiming that my account isnt locked. I really need EQUIFAX to update my profile and make it accessible.
Product: Debt collection

Dear Sir/Mam. 

I have noticed a Fraudulent utility account on two of my credit Burues XXXX  and XXXX. This account is  coming from XXXX XXXX, which later I found out that they sold this Debt to a collection agency called Transworld Systems Inc. I have Filed a police report with local and federal law enforcement, including the FTC. US. District attorney 's office, I also mailed these Police reports over to all three national credit Burues. I recently received a letter in the mail from XXXX that stated even with a police report and my FTC report that I have submitted as Fraudulent activity to them on my report, they stated they will not remove this item even if I have a police report. The company and collection agency are in clear violation of my rights. I also called Transworld Systems Inc. And all they did was over talk me and kept saying " so how would you like to pay this Debt '' the agent did not care if I was calling about a fraud claim and according to the law I have rights regarding disputing fraudulent activity. Unfortunately I was never able to get my concerns heard all they cared about was money that I Do not owe. In this situation I also recorded the phone call and date and time of call with the agent, if later I need it for evidence. 

In closing I have submitted federal FTC Documents to all three bureaus along with a police report, in addition I also had an issue with this copay a while back for the same item I am now redisputing yet again, it was removed from my report from XXXX XXXX after I filed a claim, in fact I do have older credit reports showing that this item has been deleted, then it was sold to Transworld Systems Inc. And it is back on my reports again. So thus time I called the police and filed paper work so I will stop being harassed and having this fraudulent account on my reports. After I reported this item to the credit Burues with police reports, then I immediately received a letter in the mail for payment on the account which is in Dispute, clearly another violation of the law was broken because Disputed accounts can't be asked to be paid while their in Dispute. 

My rights are being violated as a consumer, and I did as I was told to do and that was to file a police report and I also filed an FTC report claiming the fraudulent account. 

In closing I'm reporting both XXXX and Transworld Systems Inc. These companies clearly did not follow the law. Next I'm going to report this to the US attorneys office fraud and protection department.
Product: Student loan

My taxes were taken from me due to Navient showing my loans are in default sinceXX/XX/XXXX Navient has not reported that I made payments on these accounts. I have a payment history with Navient that I keep on file to show that payments have been made. When I first called them on Tuesday the XX/XX/XXXX they said I needed to send proof of payment and they would review it and if it checked out they would reverse my tax refund of {$1600.00}. I sent it certified mail that day. I waited 3 days after I got confirmation of them receiving it and called again. The lady who answered said my payment history shows I clearly have been making payments but she couldn't do anything for me. I am very frustrated not only because I was counting on that money from my taxes but also to find out my loans ( that I have been paying on ) have been in default sinceXX/XX/XXXX. It is not easy paying that money every month but I make sure I do so the loans do not default. It has been a stress on my life, and when I don't get my taxes even though we are struggling to do the right thing and find out my loans are in default on my credit report????? I need help in this matter please.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : 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
Product: Student loan

I had student loans for my XXXX XXXX XXXX. I started working in government in XXXX. I finished my XXXX  in XXXX. I was told I had to consolidate my loans for XXXX. I was told it would not affect my Public Loan Forgiveness. It did. It restarted over when I consolidated and I lost roughly 2 years of qualified payments. I called the loan servicer and told them they TOLD me this was what to do and it would not affect anything and they said basically too bad, it's now a new loan so I had to start over. I would be much closer to forgiveness if those payments would have counted like they should have! This is unfair and deceptive.
Product: Prepaid card

XXXX made a deposit to Money Network on XX/XX/year> for {$2600.00}. I received the ATM card on XX/XX/year>. I tried to activate it by downloading their app and inputting my card number and expiration date. The cursor just went in a circle and put me back on the page asking for the card number and expiration date. I tried multiple times and used a laptop, XXXX and XXXX and nothing worked. I had to call Money Network to activate my card. First they wanted to know the date and amount of the deposit for security purposes. I didnt have this information because I couldnt access my account. I was told to call XXXX to get the information and call them back. Once I got the information and passed the security portion I said I needed help activating the card. They said due to fraudulent activity they have to close my account and would mail a check for {$2600.00}. When the check arrived on XX/XX/year> it was only for {$850.00}. 

I went to the XXXX office on XX/XX/year> and told them the problem I am having. They told me there is nothing they can do on their end to recoup the money since its already been deposited by them. I have to call and find out why they shorted me. They also said on XX/XX/year> another deposit was made for {$1100.00}. I needed to call to find out about receiving that money too. The only solution they had for me was to mail my future checks from their office. I opted for this going forward. 

Today is XX/XX/year> I had to call Money Network 3 times. Because when they asked for my most recent deposit it was incorrect. XXXX told me over the phone, in person and via email ( 3 times ) my deposits were XX/XX/year> for {$2600.00}, XX/XX/year> for {$1100.00} and XX/XX/year> for {$1100.00}. I started with the most recent deposit and Money Network said that is wrong, you only get one chance call again have a good day goodbye. 

I called a second time today ( XX/XX/year> ) and gave them the deposit date of XX/XX/year> for {$1100.00}. I was wrong again and again said you only get one chance call back again have a good day goodbye. 

I called a third time and gave them XX/XX/year> for {$2600.00} and that was sufficient. I explained I was supposed to get a check for {$2600.00} and only received a check for {$850.00}. They said they will mail the remaining funds {$1600.00} which is still wrong. They did mention there was a new ATM card mailed and there was a charge at XXXX XXXX. I told them I dont have the card and never used it. I asked what they are going to do about that. They said its a separate issue and I have to call them back after the first issue is completely resolved. 

I have XXXX and am going through XXXX and do not feel good. I have only gotten {$850.00} since XXXX of this year. I have rent, car payment and other bills. {$850.00} does not come anywhere close to paying my bills. This is ridiculous!! I have been reporting them all over the place. They have poor misconduct and mishandle peoples funds! 

I need help fighting this. I have gone to the CA senators office complaining and the news media. I dont know who else to complain to? The IRS to audit them?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumer but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute an unauthorized credit inquiry that appears on my credit I did not authorize this credit inquiry, nor did I apply for credit with the above-mentioned creditor. Under the Fair Credit Reporting Act, I can dispute information I believe is incorrect or incomplete.
Product: Student loan

I have contacted Nelnet by email twice regarding the issue of allocating payments to the interest portion of the loan, which was easily done with the previous servicing company XXXX XXXX. It has been months and no response.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX there should be no other names or address listed on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

XX/XX/2022, I received a call from the scammer who pretended to be a chase employee and called from the same chase number on the back of my debit. He said that somebody was hacking my account and that he sent me a one time code. I've dealt wjrh bank employees in the past who have asked me for the one time code while fixing my accounts so I provided it to him. He then wired {$4000.00} to himself from my account. My bank did not call me to verify if it was me trying to wire the amount.

I've been dealing with Chase 's fraud department and they said all they could do was contact the bank it was wired to try to reverse it. I spoke to Chase employees who said the same situation occurred to other clients yet they received their scammed funds within XXXX hours. 

I never approved the $ XXXX to be wired and I was scammed. Please have Chase refund my scammed amount of $ XXXX. Chase knew it was a scam because they had me close all my accounts and get a new one yet they don't want to do what's right and actually reimburse my funds that were stolen and scammed from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX XXXX XXXX XXXX Balance : {$800.00} XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$550.00} XXXX XXXX XXXX Balance : {$540.00} XXXX XXXX Balance : {$550.00} XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : ( XXXX XXXX and Account number : XXXX ) Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) 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?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) 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 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

I apparently owed money to them for something and never knew what for. I found out they emptied my account when I went to order a pizza one day for my kids after work. Portfolio Recovery had taken every XXXX of my money from my account including all of my child support. They took over {$2000.00} without ever notifying me or letting me know why. My electric ended up getting shut off, and I lost all the food in my fridge. I had to move in with my mother until I could get the money to turn my electric back on. I was never able to get them on the phone, and still have no idea what it was for. I never received any type of phone or mail notification, and still haven't to this day nearly 9 years later. 
My name was XXXX XXXX XXXX at the time and I was a newly separated single mother. They stole every last cent from my account and left me almost homeless with kids.
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 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit 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 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 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I do not recognize and I did not authorize. Here are company names and dates : XXXX XXXX XXXX XX/XX/2020 XXXX, CREDCO XXXX XX/XX/2020 ), XXXX XXXX XXXX ( XX/XX/2020 )
Product: Credit reporting or other personal consumer reports

XXXX had assured me that they would remove the unauthorized hard inquiry by XXXX XXXX XXXX XXXX  within XXXX  days of XXXX/XXXX/2024. Despite the persistent and numerous attempts, along with the submission of relevant documents by XXXX XXXX XXXX XXXX  XXXX the inquiry remains on my report. 
I urge you to direct XXXX to promptly remove my unauthorized Hard Inquiry. Despite repeated attempts, XXXX still needs to honor their promises of swift removal, leaving the unauthorized hard inquiry of XXXX, dated XXXX XXXX, 2023, on my report, to be removed.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX  has violated my rights. 

15 U.S.C 1681section 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
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX DHS Child support with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} I couldn't apply for a home loan because of this negative item on my credit report