23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Discover Card allowed a charge in the amount of {$270.00} to go through on a card that was closed in XXXX due to unauthorized charges. The charge appeared in XXXX of XXXX and went undetected by me at that time because the Discover Card had a XXXX balance and was not being used. In the following months, Discover Card removed money ( {$70.00} ) without my permission from my personal checking account for payments on a balance that I did not know had been made on the card. Discover Card claimed that I had authorized autopayments in years prior, but they never had to use the autopayments because I " always paid before the due date. '' The unauthorized payments that were removed from my checking account were discovered because it negatively affected my checking account. In XXXX of XXXX, I contacted the origin of the charge, XXXX XXXX, and inquired about it. XXXX XXXX informed me that they did not charge the card and it was not valid. In fact, there was a different credit card on file for my XXXX XXXX account and my Discover Card had been removed in XXXX as the method of payment. I called Discover Card and informed that there is a charge in the amount of {$270.00} posted to the account that was not made by XXXX XXXX and not valid. Discover Car deemed it fraud and launched an investigation. They also opened a billing dispute and a credit was issued in the amount of {$270.00}. I informed that the had been taking automatic payments without my consent and they immediately issued a check in the amount {$70.00} for stolen, unauthorized " automatic payments. '' I called Discover Card a second time about their unauthorized, automatic payments had done to my checking account and they issued a second inconvenience payment in the amount of {$200.00}. The dispute was resolved in my favor in XXXX of XXXX, and I believed the matter had been settled. However, in XXXX of XXXX, I received a billing statement indicating that the XXXX XXXX  charge had been reversed and that I owe Discover Card {$270.00} because they had paid XXXX XXXX. Discover Card has been charging late fees, interest and other penalties to the account because they have not properly adjusted the account. I have called Discover Card multiple times trying to get this issue resolved to no avail. I have reached out to upper management just to have them call me names and insult my intelligence. Discover Card has been calling my home trying to collect on a debt that does not belong to me and is not valid.
Product: Credit card or prepaid card

In XXXX when I lived in Arizona I had a Mervyns credit card account that unfortunately I wasn't able to pay because I lost my job my house and my mother had passed away in XXXX. I had to move out of state to seek a better future since I was a single parent with XXXX kids. I moved to California and have been here for the last 17 years. I'm getting served with courts documents from what I believe is a 3rd party office claiming to be from Mervyns stating I am being sued for over XXXX that I supposedly owe Mervyns when in fact I owed about XXXX to XXXX dollars. It's been about 21 years since I had this account. Is this even possible?? I need help please I can't pay over XXXX. I'm a single parent with a special needs child whom I take care of all by myself. What can I do to stop these people from placing a judgment on me??
Product: Money transfer, virtual currency, or money service

Met this person on XXXX. Got lured into this website site ( XXXX XXXX XXXX  ) by this person from XXXX ( XXXX XXXX XXXX? XXXX ). I Deposited money with international money transfers apps ( XXXX XXXX XXXX, XXXX, XXXX, XXXX ) including bank wire transfer and XXXX XXXX XXXX. Once I started trading with the money I invested for commission, all of a sudden it pops up that I won a bonus award and I needed to deposit more. Even the person I was talking to on XXXX helped me deposit with her money to help me unlock this bonus award, knowing the person was part of the scam. I had to complete my task of the day in order to withdrawal the money, then another prize award pops up, saying that I hit the jackpot. I had to deposit more money to complete to bonus prize. Now when it came to when I was allowed to withdrawal the money, trying to withdrawal full huge amount ( $ XXXX ), Now they saying I need to deposit 40 % of that total amount to complete a tax procedure for both the system and the bank. I had to open a loan and ended up depositing that 40 %. They tell me I must complete the task the day so I can withdrawal, I end up winning another prize. Now they tell me I must deposit more money to complete the bonus award then XXXX can withdrawal. The prize just gets bigger and bigger and I have to deposit more and more. Unable to withdrawal, now I am stuck here feeling that I have been scammed. I've done research scammer XXXX account, she is pretending to be someone else and steal pictures from this XXXX account : https : //www.facebook.com/baohannguyen.helia. Please help me, what should I do to get my funds back. Should I go and report this fraud to my bank in order to get my funds back or hire somebody from a website like XXXX XXXX XXXX XXXX XXXX Can they be trusted?
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/17    i received a notice from credit karma that my score had dropped  XXXX  points from information provided by  Barclay  bank. Considering that i had  XXXX  accounts in excellent standing which  XXXX  forced me to close because they had suddenly slashed my credit lines to make it look like i was maxxing out my cards which i was not, the way they have reported has caused massive damage to my scores. After i paid the balance in full on all accounts and closed them they then posted interested charges so it shows accounts closed and with balances.It also appears that they have not reported the accounts closed by my request, They are also reporting balances to  XXXX  that do not exist. I have repeatedly return calls from their office of the president to no avail. I have attached screen clips from information appearing on my report from credit karma as well as information clipped right off of the  Barclay card website showing the contradictions. The excessive inquiries by Barclays h as also been clipped and submitted in a prior complaint. I have also contacted the House Banking  Committee  to report ho w Barclays has treated me and they requested complaints on record with CFPB. It is very disturbing that Barclays would launch an ass ault on my credit where i was an excellent customer with them.
Product: Debt collection

SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE.
Product: Credit reporting or other personal consumer reports

Recently, I reviewed my credit report and discovered several inaccuracies. 

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy in their reports.

According to 15 U.S. Code 1681i ( 5 ), if a reinvestigation reveals that disputed information is inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the changes. 

I request that you update, block, or delete the inaccurate accounts and unauthorized
Product: Credit card or prepaid card

On XX/XX/XXXX & XX/XX/XXXX I used my Visa credit card to purchase {$10.00} in Illinois lottery tickets ( {$20.00} total ). On XX/XX/XXXX I reviewed my account purchase details and noted that I was charged a {$15.00} fee on each date I purchased lottery tickets as a cash advance fee ( {$30.00} total ). I contacted First National Bank of Omaha to inquire about the charges and was told by a Supervisor XXXX XXXX XXXX that lottery is considered gambling and therefore, it was a cash advance against my card on each occasion with a minimum fee of {$15.00}. 

I was unaware that Id be charged a cash advance fee albeit a fee greater than my purchase, but moreover the credit funds were never placed in my hands and were used to purchase non-refundable lottery tickets directly from the State of Illinois. The Supervisor would not reverse the charges. 

I feel this practice is discriminatory, unfair and an attempt to force the public to adhere to a moral mandate against a lawful retail purchase. 

Thank you XXXX XXXX XXXX
Product: Mortgage

I was required by PHH to purchase a payoff statement when they quit updating my account details online. The first payoff statement they sent was incorrect, charging fees for services I did not need, nor receive. I complained and received a corrected statement only after I'd already sent payment on the erroneous one. 

As such, a further review of my account shows other fees charged for services I did not request over the years I've had this mortgage. I've been charged for homeowners insurance I already had. I've been charged for payoff statements I didn't recall requesting. It has all led to an extreme distrust of XXXX XXXX loan accounting practices and methods. 

I paid down my loan significantly this past summer and instead of providing any payoff information over the phone, I was told I would have to pay for a payoff statement. I refused to pay for such a statement, since I'd already paid so many fees and the information always seemed wrong. Rather than update and correctly reflect my loan online, PHH Mortgage stopped updating my loan details online, reported my loan as delinquent ( I now know that I owed a deferred payment $ XXXX from XXXX  on a {$600000.00} original loan balance with the total loan balance due only in XXXX. ) I was neither emailed nor mailed any delinquency notifications. They posted them to an obscure spot in my account with no notification that documents had been added online. 

I was emailed absurd requests for payments I did not owe. 

My credit has now been ruined while I've paid off my mortgage early. I've been charged late fees for payments that shouldn't have been considered late, inflating the {$110.00} balance the company showed in XXXX billing statements was actually due on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is continuing to ignore the law. They failed to look into a complaint filed in regards to misleading and inaccurate information on my credit report. The issue is the reporting of a dismissed chapter XXXX bankruptcy on my report. I have submitted a formal complaint with them. And as expected. I received a generic response to a real issue. The company has responded that they will contact the company who furnished the information. As I stated in my complaint. My issue is with the reporting of inaccurate public information on my reports. Therefore there is no company to verify anything with. I have corresponded directly with the local bankruptcy court. And they have confirmed that they do not report or share any information with any credit reporting companies. With that being said any and all information that they may be reporting would be deemed as hear say and can not be confirmed as accurate. I am asking that under FCRA section 611 ( a ) ( 7 ) they provide how they have verified this information. No one other than the court has completely accurate information on this matter. Once again I am now demanding that this be removed from my credit report. My next course of action shall be legal court proceedings.
Product: Payday loan, title loan, or personal loan

XXXX of 2022, I called mariner finance to figure out how much was owed to pay my loan completely off, the rep informed me that she can defer the payment for XXXX and I would be completely paid off. The rep took a future payment on recorded line and reassured me that it will be my final payment. However, it wasnt in XXXX I was harassed by several employees stating I owed XXXX $ I was unaware that it was late fees. On top of that they charged me another XXXX on top of the XXXX late fee that was owed. I had called head quarters to file a complaint ant the rep was rude and said she can not waive any late fees and I told her I was calling to complain not to be assisted. It was so bad that I had to disconnect the call. Its already bad we have payed back almost XXXX in interest charges for a loan that was on XXXX XXXX I thought it was illegal to charge a late fee on a late fee when a loan is paid in full??
Product: Debt collection

XXXX was written on XXXX XXXX and legal demand was made to validate and prove the alleged debt. They have not responded
Product: Debt collection

I was working with XXXX XXXX  to repair my credit last year and I disputed validity of 2 debts to Capital One Bank which were listed on my report. After the waiting period, it was determined that I'd proven my claim and Capital One had to remove the items from my report. A year later I suddenly get a notification that my credit has dropped nearly 30 points because of a new collection. When I looked to see what it was it showed, XXXX XXXX which confused me as I don't know anything about them. Upon opening it I discovered that it was Capital One. They were reporting it as a brand new debt and saying that I currently have open accounts with them. All lies. They've now added a second item from Capital one to myreport and are essentially destroying my credit score. I was under the impression that once you win the dispute its over. Not that the company can decide to sell it off to a debt buyer and then they can put it back on your report. I spoke with XXXX  today and they told me that this constitutes fraud.
Product: Checking or savings account

On XX/XX/2022, An amount of {$280.00} was charged to my checking account by XXXX XXXX XXXX XXXX XXXX. I clarified that this transaction was unauthorized, but since I XXXX have ( or the agent at Wells Fargo ) mistakenly stated that " I never received the items purchased '' now Wells Fargo will not recover the funds even after I clarified afterwards that the transaction was not authorized. I received an unsatisfactory response from Wells Fargo as if my complaint was not comprehended. The response ( attached ) did not acknowledge the fact that a mistake has been made in regards to the transaction. Wells-Fargo stated that, " We reviewed the interaction had with our XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2022, when you filed the claim, and we can confirm that you verified multiple times that the transaction was valid and authorized, but you didnt receive the merchandise purchased. '' Me saying that it was an authorized transaction was the mistake. Are you telling me that mistakes are not allowed? Like I said before, it was a mistake. This transaction was mistaken with a different transaction. 

Only I can decide whether the transaction was authorized or not. There was no compelling evidence because the transaction was simply mistaken with a different transaction.
Product: Credit reporting or other personal consumer reports

15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identities as information that results from an alleged identity theft, not later than 4 business days after the date of the receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of Identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 US Code 1681b - Permissible Purposes of consumer reports ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. I demand the deletion of the listed accounts IMMEDIATELY. 

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

. XXXX XXXX Account # ending in XXXX Apple Card has violated my rights as a consumer and is in violation of multiple laws set forth by congress 15 U.S.

Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), per 15 USC 6802. THE PRIVACY ACT OF 1974. ( 15 USC 1611 ) Criminal liability for willfully and knowing violations. ( 15 USC 1681 ) Accuracy and Fairness of Credit reporting IT IS ILLEGAL TO REPORT TRANSACTION HISTORY. ( 15 USC 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. ( 15 USC 6802 ) Obligation with respect to disclosures of personal information. ( 15 USC 6805 ) The enforcement of the regulations prescribed there under shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulator, the State insurance authorities, and the Federal trade Commission with respect to financial institutions and other person subject to their jurisdiction under applicable law. 
Therefore I am asking that my credit report shows paid as agreed indefinitely
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out to transunion/Dispute XX/XX/2023 and nothing was removed. However its been 30 days and the credit bureaus failed to send my investigation back. This is not making any sense ( A ) In general. -- Subject to subsection ( f ) of this section, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Debt collection

Been calling them daily for weeks now, all I get is a answering machine, never get a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom it May Concern, According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 

Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 

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

I noticed some unauthorized credit inquiries on my report, and despite my previous request for their removal, the bureau has not complied. I am now providing an identity theft report as evidence and kindly ask that these inaccurate inquiries be removed from my credit report promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX a letter requesting the process used to investigate items on my credit that equifax deemed verified was sent to them but i have yet to receive any kind of response to the matter.
Product: Credit reporting or other personal consumer reports

Subject : Notice of Unauthorized Credit Reporting and Demand for Resolution Under XXXX FCRA and Identity Theft Laws Dear CAVALRY PORT, I am writing to address a serious matter regarding the unauthorized reporting of information to my credit report, in violation of the XXXX  Fair Credit Reporting Act ( XXXX  ) and identity theft laws. Specifically, this violation is in direct contravention of Sections 59.1-444 and 18.2-186.3 of the Code of XXXX 

It has come to my attention that [ XXXX XXXX ] has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The XXXX, under Section 59.1-444, mandates that consumer consent is a prerequisite for such reporting activities. 

Moreover, XXXX  identity theft laws, particularly Section 18.2-186.3, highlight the gravity of unauthorized access and misuse of personal information, emphasizing the protection of consumer rights. 

I assert unequivocally that I have not provided consent for [ XXXX XXXX ] to report any information to my credit report. This lack of explicit permission constitutes a blatant violation of my rights, potentially damaging my creditworthiness and demonstrating disregard for XXXX  state laws. 

I demand, with utmost certainty, that [ XXXX XXXX ] immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 59.1-444 of the XXXX and Section 18.2-186.3 of XXXX  identity theft laws XXXX Failure to comply within the stipulated XXXX timeframe will be considered willful noncompliance, subject to penalties under applicable laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the XXXX and XXXX identity theft laws. This is not a negotiation ; it is a demand for compliance with state regulations, safeguarding consumers like myself from unauthorized credit reporting. 

I expect [ XXXX XXXX ] to address this matter promptly and rectify these violations, respecting my rights under XXXX  state laws. 

Done in good faith, XXXX XXXX