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

I am about 20 days behind on my discover card payment. Never 30 days late. Discover is calling me 5 times a day often 5-6 days a week. I have requested to be called no more than once a day. Discover will often fill my voicemail box within two and prevents me from receiving messages from other callers. I have attempted to speak with discover concerning this matter. The last time I called discover a supervisor placed me on hold for two hours. This type collecting is harrasing and  impedes my daily life. I have attached the last couple of days of calls, I can provide a detailed call history of this harrasing behavior. Can you please help resolve this matter with discover?
Product: Checking or savings account

I attempted to close my checking account with Wells Fargo in XX/XX/XXXX, in response to their continued terrible actions both to other Wells Fargo customers and in their support of investments like and including Natural Gas pipelines around the country. I paid all fees, XXXX 'd my account, and I was verbally assured that the account was closed. 

In XX/XX/XXXX, I realized that my credit card number had still been being used to charge an XXXX XXXX account. That had put my account below XXXX, and I'd been charged a series of fees. After many hours on the phone with Wells fargo, it became clear that I needed to go into a physical bank branch with cash to deal with this situation, because Wells Fargo was unwilling to transfer money IN to the account since the account was overdrawn. 

After going into a branch ( where they were kind enough to remove some of the overages and fees ) I paid my balance in cash, but they were unable to close the account. This was Monday, XX/XX/XXXX. I was told that they could not close my account at that moment, however, because it was overdrawn, a setting which would " reset '' at midnight that night. I went to close my account on the XX/XX/XXXX, only to find a " pending '' charge that I can't explain, and now ( the XX/XX/XXXX ) there is another charge on my account, it is BACK under XXXX, and I've accrued some more fees. 

I no longer have my ATM card, as I destroyed it when I was told that my account was closed back in XX/XX/XXXX, and getting into a physical wells fargo branch between the hours of XXXX and XXXX continues to be an interesting challenge.
Product: Checking or savings account

My phone was taken and thrown in river by my XXXX  husband. I had online checking and wasn't able to verify my checking account with phone or email. I had my debit card my photo id and my birth certificate to show this was my account this happened XX/XX/year>. My check was direct deposited and I was not able to access my money. I asked them to close the account if I couldn't verify my identity with the standard items. I did not receive the check until XX/XX/XXXX. I was not able to use my card I had to report it lost or stolen because all of my banking info was on phone for safe reasons. 
As far as documentation I may have an email but most conversations were done via chat. I then tried to open another account with chime and was told I had an active account opened with them and was unable to use their service. This was after I closed account. 
* I also had cashed several. Checks with their mobile check cashing. These were checks issued from the state of Nevada. At one point it took three weeks for them to process a check after I had cashed several from same agency and had no problems.
Product: Credit card

On XX/XX/year> I purchased a ring from XXXX and was heavily pitched on a credit card so I could purchase the more expensive item worth around {$5000.00}. When the terms were explained, I was told I would not pay any interest for XXXX  months and then after those months I would be charged interest only on the existing balance similar to 0 % XXXX offers. I set up automatic payments so the balance would be paid off within the XXXX  months and forgot about the card. I was never late on any payments and I was paying what I thought was the appropriate amount to pay the full balance by the XXXX month. XXXX months later I receive a notification from my credit report that I was charged over {$1400.00} on the card. I go to check the card and see that I was charged " accrued '' interest because I had a small remaining balance at the end of the term. It turns out I miscalculated the dollar amount I should pay per payment and because of that I broke the terms of the promotion. Those terms were never properly explained to me by the salesperson. The only reason I paid this off in smaller amounts is because I thought I would not be charged interest. I would have paid the balance months ago or avoided the card altogether if I knew this could happen. I believe this is a misleading and predatory sales practice which tricked me into getting the card without knowing the full consequences. It is not fair I am paying more than ~ {$1400.00} for a mistaken ~ {$100.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a letter dated XX/XX/2018 directing XXXX to mail my yearly consumer disclosure and to freeze my consumer file. 

XXXX choose not to follow my wishes and did not send me a copy of my consumer disclosure.
Product: Debt collection

I am a senior who went to XXXX in XXXX GA on XXXX/XXXX/16. My insurance paid their portion and my portion was {$84.00}. I paid the bill in ( 3 ) parts as follows to XXXX GA via money orders from XXXX XXXX : 1 ) XX/XX/<YYYY> {$40.00} ; 2 ) XX/XX/<YYYY> {$20.00} ; 3 ) XX/XX/<YYYY> {$24.00} On XXXX/XXXX/16 I received a transmittal from TransWorld Systems saying that I had a balance of {$24.00}. On XXXX/XXXX/16 I received another notice from TransWorld for {$24.00}. My calls do n't do any good, both to XXXX XXXX or TWS. I am afraid that both entities will report negative information resulting in harm to my credit.
Product: Debt collection

I received a loan from US Discounters ( now referred to as USA Living ) in XX/XX/XXXX, I also purchased a debt protection plan, I was discharged from XXXX XXXX and became XXXX to work in XX/XX/XXXX, the company did n't has n't properly granted me relief of the debt under the debt protection clause I purchased with loan. The company is reporting a collection suit on my credit report for a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and there are multiple inquiries from the same company By the name of XXXX which is inaccurate and fraudulent I will state them below XXXX  XX/XX/2018 XXXX  XX/XX/2018 XXXX  XX/XX/2018
Product: Credit card or prepaid card

Documentary Evidence is Required in accordance with 12 CFR 1026.13 ( 6 ) Please provide clarification, including documentary evidence, on the following : Any and All documents, correspondence, papers, and corporate records proving that " Adequate Notice '' was received and understood by the cardholder in accordance with 15 U.S. Code 1602 ( k ) for the above-mentioned account ( XXXX ) ; dates and times ; Any and All documents, correspondence, and papers of receipt and acknowledgment of reasoning capacity to understand what I am agreeing to ; Any and All documents, correspondence, papers, and corporate records of the 2011 published version of the PayPal Credit Account Agreement with both parties ( or all involved parties ) signatures ; Any and All documents, correspondence, papers, and corporate records of the PayPal and Synchrony Bank records and/or data retention policy guidelines ; Any and All documents, correspondence, papers, and corporate records proving that adequate notice of disclosure of personal information was given in accordance with 15 U.S. Code 6802 ; Any and All books of accounts, financial records, and corporate records about this consumer credit transaction, including how Synchrony Bank funded the above-mentioned account ( XXXX ) ; Any and All audit trails of the funding of the account transaction by which accounting, trade details, or other financial data can be traced to their source, i.e., from your account to my alleged accounts ; Any and All documents, correspondence, papers, and corporate records that fully disclose the details of the entire agreement, which is a requirement of a contract ; Provide the original agreement with the signatures of both parties ( or all involved parties ), signifying consensus ad idem, or a meeting of the minds, which binds both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is showing on Supplemental Public Records & Residential Information is showing I did not apply or sign any documents applying for credit in any way as showing on my credit  File Number XXXX XX/XX/XXXX I opt out in XX/XX/XXXX on promotional and information.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the credit report which is provided by Experian Bureau, there is an incorrect account under my name. This account was opened in XX/XX/XXXX, and there were 3 delinquencies in XX/XX/XXXX ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). I'm an XXXX. My XXXX application was approved in XX/XX/XXXX. Then I moved to America on XX/XX/XXXX. One week later I received my social security number. So when the account was open, I didn't have a SSN, a VISA, and havd never been to America. Apparently, it is impossible that I opened an account and had delinquencies one year before I XXXX to America. That account doesn't belong to me. I disputed to Experian Bureau twice but the result was that the information was verified accurate. I'll provide a picture of my XXXX VISA, with the entry stamp showing that the first date I came to America, and the social security number with the issued date on it.
Product: Credit card or prepaid card

CITI BANK DECREASED MY CREDIT LIMIT FROM XXXX TO XXXX XX/XX/2022. STATING THE REASON FOR DECREASE WAS DUE TO INFORMATION OBTAINED FROM MY XXXX CREDIT REPORT, BALANCE INCREASING ON ONE OR MORE ACCOUNTS WITH THEM ( ONLY ONE ACTIVE ACOUNT WITH THIS COMPANY ) AND MISSED PAYMENTS WHICH IS NOT ACCURATE I HAVE NO LATE PAYMENTS AND NEVER MISSED A PAYMENT. I SPOKE TO SEVERAL PEOPLE FROM CITI BANK MOST SAID WAIT FOR A LETTER, ANOTHER REP WITH CITI BANK TRIED TO REINSTATE MY CREDIT LIMIT RECIEIVED A LETTER AND I WAS DENIED, ANOTHER REP TOLD ME TO CALL XXXX I DID THAT AND THEY SAY THEY SAW NOTHING WRONG WITH MY ACCOUNT. MY CREDIT HAS SINCE DROPPED XXXX POINTS AND I HAVE OBTAINED A CREDIT REPORT WITH XXXX. YES I DO USE THIS CARD AND HAVE A BALANCE.
Product: Mortgage

Ever since getting with Lakeview by XXXX, my escrow is always increasing. Does not matter if taxes go down, which they have, nor does it matter when I switch insurance to over {$1000.00} cheaper a year, my escrow is always increasing! These companies have to be scamming veterans, especially disabled veterans of money and this is my first stop, next is Senator XXXXXXXX XXXX office then the Attorney General 's! 

I just switched homeowners insurance before XXXX XXXX raised my insurance {$2000.00} and got insurance for {$1000.00} less than the previous year but yet my payment went from {$1000.00} to {$1100.00}! My taxes from last year went down a whole {$3.00} but still it went down!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account XXXX XXXX XXXX XXXXXXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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: Debt collection

Was contacted via landline and cell on XX/XX/2023 and by cell phone on XX/XX/2023 by a company called Credence. My complaint is that I never received a written notice from Credence describing the debt or identifying their company as the debtor. The company initiated collection calls without sufficient notice. 

I answered the call on XX/XX/2023 and I did in fact notify a representative that I needed proper written notice establishing them.as a debt collection agency and a written notice describing the debt before I would entertain any phone contact whatsoever with said company.
Product: Debt collection

I received a debt collection notice from Rent Recovery Solutions ( RRS ) claiming I owe {$1000.00} to DEPOSIT IQ. I have never rented through this company and believe this is an attempt to collect on a fraudulent debt. The letter included a settlement offer of {$900.00}, with a deadline that has already passed. 

Actions Taken : I have not responded to RRS or attempted to pay the alleged debt. 
I suspect this may be a scam and want to protect myself from further harassment or potential credit damage. 
Request : I would like the FTC to investigate Rent Recovery Solutions and their practices regarding this potentially fraudulent debt collection attempt.
Product: Credit card

Someone made fraudulent purchase with my account. I contacted the company immediately and report the purchases as fraud. I tried to look up the seller of the items and they intentionally do not provide information on their website. I'm not sure what all items were purchased but it appears from my account in excess of {$500.00}. The lender Klarna has been going back in forth in emails since early XX/XX/2023 asking me to pay for returns to the merchant and the items so the merchant can inspect them. I responded to Klarna I am unable to return items that were not order or authorized by me on my account or shipped to me. I learned the merchant was shipping these items using a persons name that is not mine and and email not associated with my account with Klarna. Klarna allow merchants to place orders with customers accounts using fictitious emails and purchasers names not associate with the accounts with Klarna. I have requested a full refund to my account and for this lender Klarna to close my account for further use since XX/XX/2023. They have not done so and have submitted charges to my bank for payments after I have asked them to cease all transactions on my debit or checking accounts.
Product: Checking or savings account

I opened a US Bank checking and savings account on or around XX/XX/XXXX. I was supposed to take the following two actions to earn a bonus.

1. Make 5 direct deposits totaling {$6000.00} within 90 days to receive {$400.00} bonus ( US Bank paid this out on time ) 2. Keep {$25000.00} in the bank until XX/XX/XXXX to receive {$200.00}. 

My transfer was initiated on XX/XX/XXXX. 
My funds were kept in the bank until XX/XX/XXXX when i started moving it out as a US Bank representative told me it might take up to 90 days from XX/XX/XXXX to receive the bonus but i was good to move the funds out. I was told that the credit should be received around XX/XX/XXXX. 
More recently, i was told that the bank was researching why i had not received this credit but it would be in my account before the end of XXXX I believe. 

I still have not received it and want nothing more than to get the bonus and close my account at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00}. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) This report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially ... and the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I got my credit report and I was checking to make sure everything was correct. I noticed some unauthorized hard inquiries on my credit report that I didn't authorize to run my credit, I would like these hard inquiries remove from my credit.
Product: Credit reporting or other personal consumer reports

I mailed a letter Certified in XX/XX/year> to both Experian and the Creditors one to XXXX XXXX and also XXXX XXXX Account number XXXX to resolve the issues. 

With no responses for my Form 1099-C Request.

Per the 1099 C form The amount canceled on a 1099-C is considered income and must be reported on the borrower 's tax return. I never received a 1099-C from either creditor and I have received no response I have repeadtly asked for the1099-C to be validated. They keep blowing me off and ignoring me and sending me back the same Generic answering versus fixing the issues. 

And I pretty sure Experian illegally gave a creditor my information without permission.
Product: Vehicle loan or lease

I applied for  XXXX  loans wit h Penfed CU si nce you have to select a vehicle for low risk loans. After getting my done with  XXXX   XXXX  I took the bank draft from  Penfed  for $  XXXX  and purchased the car on  XXXX   XXXX ,  2017 . After purchasing the vehicle,  XXXX  tried to deposit draft. The draft was returned unpaid. For some reason that loan was cancelled. But the loan that was supposed to be cancelled was not.   After lettin g Penfed know the situation and the delaer contacting me. Penfed refused to issue a new  check or change the loan. The approval was for $  XXXX  for 72 months at 4.50 %. They requested I do another loan in the system and request the same amount. The loan came back with an new approval of only $  XXXX . After talking to and asking  Penfed to please just make loan same as original they refused. The vehicle was picked up last ni ght from my home. Since I work weekends. I now do n't have a vehicle and will have to quit my job since it is  XXXX  miles away. Because I traded in my vehicle so after a month I have nothing.   Penfed gave me a loan and charged me  XXXX  times {$15.00} for overnight service. Why did n't they honor the check? Why would n't they just fix something I did n't do they done. They knew I had vehicle because dealer contacted the m 10 tim es to fix error and  Penfed  refused.   I had $  XXXX  equity in my trade and how I 'm I supposed to get that month back and how soon? How do I look for another job after quitting a $  XXXX  A YEAR JOB. How do I pay my bills and help my elderly parents get around? I think Penfed should honor our agreement just like I honored my country with my military service.   This is just not right.   Now Penfed wants me to take a loan for only $  XXXX  but not my rate is 6.1 % for 72 months. That 's just not right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX. Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX 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 a account without my written instructions