23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

My Discover credit card account was charged {$1.00} for XXXX XXXX insurance that I did not ask for. I called Discover to have them remove the charge but they said they could n't since it was a third party vendor. The vendor would have to remove the charge. I then just told them I wanted to dispute the charge and again they said they could n't do that. They said I would have to contact the company during their business hours to take care of it. I did n't ask for it to start with. Why am I having to spend time I will never get back trying to deal with this?
Product: Checking or savings account

XXXX XXXX Holding My Money Hostage Duplicate Charge Complaint Details : XXXX I was charged twice for the same XXXX transaction. XXXX confirmed in writing that they only charged me once. However, XXXX XXXX refuses to remove the duplicate pending charge, which has left my account in the negative. 

I am currently traveling in XXXX with no money, and XXXX refuses to issue a temporary credit or manually remove the unauthorized hold. 

I have spent hours on hold, including 40+ minutes with a supervisor, and XXXX XXXX refusing to take action. They are illegally restricting my funds under the Electronic Funds Transfer Act ( 15 U.S.C. 1693f ).

I demand : Immediate removal of the duplicate charge OR a temporary credit Refund of any overdraft or foreign transaction fees caused by this error Investigation into Schwabs refusal to follow standard banking procedures Attached : Email from XXXX confirming they only charged me once.
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 Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a 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: Payday loan, title loan, or personal loan

I applied for a personal loan in which the loan was paid off. Wells Fargo stated that I had not paid off the loan. Therefore the Institution put the payment in collections. I am sure I do owe the amount they are telling me I owe. Thank you
Product: Credit reporting or other personal consumer reports

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law.

Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately. 
The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED.

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had several credit inquiries conducted on me recently, and a credit line was opened using my name, but NOT BY MY REQUEST, apparently were identify theft issues. These credit inquiries were from : XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX XXXX on XX/XX/2023 XXXX. XXXX XXXX XXXX on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 A charge card account was actually approved by the XXXX ( XXXX XXXX XXXX XXXX ) on XX/XX/2023, and a request to change mailing address for this fraudulent account was submitted by the offending party. I have contacted XXXX to request the account be cancelled.
Product: Debt collection

This was a debt, I think was taking out by my ex spouse. Ive asked for original documentation years ago from Loan Me but never received so I could verify my signature.
Product: Credit card or prepaid card

A CALLER WHO POSED AS AN " XXXX '' REPRESENTATIVE CALLED ME. SHE STATED THAT MY COMPUTER HAD BEEN HACKED NUMEROUS TIMES AND WOULD BE RENDERED USELESS IF I ID NOTFOLLOW HER INSTRUCTIONS./ SHE INSTRUCTED ME TO GO TO THR XXXX  XXXX  DROCERY STORE NEAR MY HOME. ONCE I WAS THERE SHE INSTRUCTED ME TO PURCHASE 2 {$500.00} XXXX  GIFT CARDS. SHE THEN INSTRUCTED ME TO REVEAL THE ACTIVACTION CODE TO HER. I WAS TOLD THAT HER SERVICE WAS FREE AND THAT SHE WOULD RFUND MY CREDIT CARD COMPANY 'S CHARGE WITHIN 24 HOURS OF MY PURCHASE, THAT NEVER HAPPENED. 
I THEN CONTACTED PENTAGON FEDERAL CRTEDIT UNION TO FILE A FRAUD CLAIM FOR THE {$1000.00} OF WHICH I NEVER RECIEVED {$.00} FROM THE PURCHASE. THIS WAS IS XXXX OF 2020. 
I MAILED THEM ( CERTIFIED MAIL ) A NEWS ARTICLE FRON XXXX XXXX  THE ARREST OF A MAN FROM XXXX WORKING OUT OF FLORIDA, WHO WAS RESPONSIBLE FOR SCAMMING GA SENIORS OUT OF {$20.00} XXXX. 
PENFED AS REPLIED THAT SINCE I PARTICIPATED IN THE " SCAM '' WHICH THEY SAY IS NOT FRAUD, THAT THE CHARGES ARE VALID AND THAT I AM RESPOPNSIBLE FOR THE CHARGES. THEY ARE TELLING ME THAT FRAUD AND SCAM ARTE NOT THE SAME THING AND THAT I MUST PAY. I DISAGREE, FRAUD, SCAM AND CHEAT ARE ALL THE SAME. I AM XXXX YEARS OLD AND FEEL THAT IT IS FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

Today I received an alert from XXXX after my XXXX was stolen, stating that someone had applied for a Chase credit card in my name. An inquiry was placed on my file ( s ). I did not apply for a Chase account, and request that the inquiry be removed. I have taken steps to freeze my XXXX report for now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. Pursuant to section 605B you must remove the fraudulent account. I'M SUFFERING PUNITIVE DAMAGES FROM THIS. I've attached FTC filing along with Drivers license, SSN and utility bill. 


Fact, The truth and Lending Act is intended to inform consumers about the cost of credit. XXXX  XXXX XXXX violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all 3 violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by collectors, and I have been abused and deceived. So be it. XXXX XXXX  XXXX is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. XXXX XXXX XXXX has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 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. XXXX XXXXXXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, XXXX is aware and has proof in attachment labeled as exhibit A that XXXX XXXX XXXX XXXX. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( XXXX ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debtXXXX XXXX XXXX XXXX has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all 3 violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  does not have data about my date of first delinquency, worst delinquency status, or cause for derogatory status. They have very limited data, they have said when they spoke to me via phone. This account resulted in a derogatory status. The customer service agents working at XXXX cant even tell me why my account was derogatory or even if it ended in a positive or negative account status. I would like to have this account removed or deleted permanently from my credit file due to this discrepancy and lack of information supplied by the creditor. They have also applied these discrepancies after account closure in 2017. Has been disputed and dismissed before.
Product: Payday loan, title loan, or personal loan

I initially took out this loan out in XX/XX/XXXX because I was in a financial bind. I planned to pay it back within two pay periods, however we then got hit with hurricane Irma. I have been paying XXXX every two weeks since XX/XX/XXXX on a XXXX loan. I have paid XXXX to date on this loan and still owe XXXX if I paid it in full or 4 payments left. I can no longer afford this loan the payments on this loan and believe the terms are deceptive.
Product: Mortgage

We started with Assurance Mortgage for our Mortgage Refinance on XX/XX/2020 with XXXX XXXX XXXX, and was locked in for 45 days. 45 days pass and nothing is getting done due to COVID. XXXX goes to another department without letting us know, so they give us XXXX XXXX on or about XX/XX/2020. He tells us we will have to pay {$7000.00} for a rate lock extension or wait another month to rate lock., and he was unsure why XXXX gave us a 45 day rate lock instead of a 60 day. This is NOT our fault, as it is the company 's fault for taking so long. Due to the horrible communication with us during the process, we decided to go with another mortgage lender. We canceled our loan on XX/XX/2020. We did not feel comfortable with assurance handling the next 15 years of our life ( or until they sale it to someone else. ) We needed a transfer of appraisal and Assurance sent THE WRONG address and information to the new mortgage company. This has to have been a Violation of personal information, and negligence for them sending the wrong information. NOW we still are fighting with them through the process. Still dealing with the appraisal transfer, now their compliance department will not allow it. WE PAID FOR IT. They are holding our appraisal hostage. This is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did have a XXXX XXXX Credit card in XX/XX/2015 that XXXX called me at stated that the card was being used in different states as I lived in XXXX Pa. They stated at that time it was used in CA which I was never there and said they are going to close that gas card because it was stolen. I said I understood and questioned if I would be responsible for any payments and the women stated no, it was stolen. I e-mail XXXX customer service and explained what happened and question why was it reported to the 4 credit bureaus under my name. In that email she responded we don't report any defaults of unpaid payments to the 4 credit bureaus but it was in an inflated mount of {$360.00} dollars as it was closed under {$100.00} dollars. Its on my credit report under XXXX/XXXX and unpaid debt of {$360.00} opened in XX/XX/2015. I tried to have them correct this error but apparently they refuse. Under the credit card agreement, I am not responsible for fraud as XXXX/XXXX is in breach of contract.
Product: Credit reporting or other personal consumer reports

Method of verification FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY I request an immediate response of the verification source of information used in order to return " verified '' response to the last CFPB complaints filed with each credit bureau. Under the FCRA 611 ( 15 U.S.C. 1681I ). I demand to receive from Experian, XXXX, and XXXX the source of verification used by these companies, or delete all those contested items from the credit report. Otherwise, these companies will have to compensate for all the denials attributable to the contested items in question for willful noncompliance and negligent noncompliance with the FCRA.
Product: Checking or savings account

On XXXX I used my card to get gas just before XXXX and was able to. Then later in the afternoon my direct deposit went in and suddenly when I checked my balance I was in overdraft XXXX. I messaged cashapp support and they told me they didnt see anything to dispute, no charges anything. My check was direct deposited again XX/XX/12 and still I am in overdraft. No one will help me. I know cashapp doesnt allow anyone to get to us XXXX they did not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am on a financial relief program with this Discover for 12 months. It started in XX/XX/XXXX and will end in XX/XX/XXXX. While being enrolled in this program my new minimum monthly payment is {$150.00} for the first 3 months, then {$120.00} every single month for the rest of the year. Discover has even enrolled me in automatic payment and scheduled all the payments until XX/XX/XXXX, I have attached a screenshot of it to this email. I have made my XXXX minimum payment, I have also attached a screenshot of my checking account showing the payment made to this Discover with the reference number. Surprisingly, this morning I have seen that Discover has reported me 30 days late saying that they did not receive my payment, which is not true since I have proof of payment. Therefore I am asking Discover to immediately update my payment history and mark me current!!
Product: Debt collection

XXXX XXXX XXXX is illegally reporting a more recent status date of XX/XX/XXXX on a XXXX phone bill debt from XX/XX/XXXX to XXXX and XXXX. The debt is past the statute of limitations for collections.
Product: Credit card

Hello, I have an open credit card with Apple ( Goldman Sachs ) and I made a {$4000.00} payment on XX/XX/year> to lower my usage. My limit was {$4500.00} so I was only leaving a balance of about {$500.00} on the account. On XX/XX/year> they lowered my credit limit to {$650.00} therefore hindering my usage of the card and most importantly negatively affecting my credit/debt ratio. I find it funny that they decided to lower my limit right after I made a substantial payment. 

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

When I recently received my credit bureau report, I am surprised that there is a dispute by borrower posted by CitiMortage. I do not recall that I initiated any dispute with CitiMortgage and I havent received any notice from CitiMortgage about this dispute. Neither when it was posted nor any investigation result from CitiMortgage. Nothing at all. We are applying for mortgage and this dispute is the only hurdle preventing us to get this loan to closing our house. To continue our loan process, I am asking CitiMortgage to send me an email ASAP stating that the CitiMortgage receives my request to resolve this dispute on my bureau profile. My email address is XXXXXXXXXXXX. My loan number with CitiMortgage is XXXX. I called CitiMortgage initially but the customer service declined my request and asked me to wait for the final resolution from their research team. Then I talked with the supervisor who promised to send me an email but I havent seen it yet. This delay could cause us significant financial consequence. We are approaching the timeline stated on our contract to close our house. We are looking for help from CFPB hoping this could be escalated. Thank you very much!
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I tried to sign up for a Zip account using my phone number. Instead of allowing me to create a new account, Zip automatically logged me into an existing account that appeared to belong to the previous owner of my phone number. I was shown a balance of {$150.00} available to spend, and I could see the previous account holder 's name and address, which is concerning because I have no connection to this person. 

This is a serious security issue because it gave me access to someone elses personal and financial information without verifying my identity. I did not proceed further because I didnt know how to log out or contact Zip for help. However, this raises major concerns about Zips security practices. Phone numbers are frequently reassigned, and without proper identity verification, this could lead to unauthorized access or fraud.

I am requesting that Zip investigate this issue, update its authentication process to prevent this from happening to others, and ensure my phone number is removed from any account that does not belong to me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles 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 were impossible and that tracking these transactions were infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries appearing on my XXXX report that are fraudulent and are not mine. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to law 15 USC 1681b permission purposes I never received a 1099 nor I never heard of this company
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting Act all these accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15USC 1681 602a states i have the right to privacy. 15USC 1681sect 604a Section 2 also states a consumer reporting agency can NOT furnish a account without my written instructions.