23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I had a card with Kay Jewelers in XXXX. I got the card to build up my credit while I was young. However, I did not ever get a chance to utilize the trade line. The card went missing so I went to Kay Jewelers in XXXX XXXX ( XXXX, South Carolina ) to report the card stolen. The associate I spoke too said that everything had been taken care of and asked where the new card should be sent. I told her I did not want a new card and to have the account close. She closed the Kay Jeweler 's account, or so I had thought. Weeks later I began to receive phone calls about a balance on a card that I had never used and thought was closed, I explained this every time to the Kay Jewelers collector 's that were calling sometimes 2 times in a day. After about a month I got a call from a Kay Jeweler 's collector explaining that I may be facing being sued for the balance on the card and I told them the same thing but they continued to request payment. In XXXX, I decided to enlist into the military and for the security clearance, one of the things that they require is a clean credit report. Kay Jewelers had reported my account as a charge off that was not paid. So i contacted Kay Jewelers about the issue and they told me that I still owed a balance and they had no record of any type of stolen or lost card report or closing of the account. When I spoke to the officials for the security clearance I was told that since it was a charge off and unpaid at that, the only thing I could do to move forward was at least pay the balance owed and move forward with a report explaining the situation. Or, I could take legal action and get the issue brought up in a proceeding but that what completely stop my enlisting in the military process altogether because you can not enlist while involved in any type of open legal action. So me wanting to get out of my hometown and move on with my life contacted Kay Jewelers to pay the account and explain my situation in hopes to get it resolved. Over the phone before I paid, I asked that could I have the charge off removed after payment due to the situation and misunderstanding. I was told yes, we will contact all XXXX credit bureaus. I paid and completed my enlisting process, fast forward 4 years later I pull my credit report and it says that Kay Jewelers has a PAID CHARGE OFF on my account. I contacted Kay Jewelers and was told they do n't submit anything to the credit bureaus after payment except that I paid, no matter what the situation was. I asked that I have this removed since they were supposed to do it before giving the ramifications of my specific situation. I told them I was n't asking for removing something in order to benefit me. I was asking that they remove something that was altogether wrong and the account was never used. I got hung up on. I have not been able to contact any senior representatives only call center supervisors that openly express that they will not do anything in my situation and that I should have thought about things like this happening before I decided to apply for credit in the first place. I did not do anything wrong and now this is destroying my credit.
Product: Checking or savings account

On XX/XX/year>, capital one was experience a technical outage but did not notify customers until XX/XX/year> late evening by email after thousands of customers can not access their deposit distributed by their employer. Nor could customers withdraw or transfer any of their funds, I am XXXX of those customers that did not receive their direct deposit distributed by their employer. All of my bill ACH have bounced due to the lack of communication and accountability by Capital One.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed inquiries that I don't recognize.
Product: Credit reporting or other personal consumer reports

I filed a dispute regarding a bankruptcy having been reported on my credit reports from XXXX. The dispute was reported as valid, however, US Bankruptcy Court does not report, verify or validate to any credit bureaus in accordance with the US Bankruptcy Court ( XXXX, MD ). Therefore, this information was not validated by any credit bureau as confirmed and was not authorized in writing. In accordance with 15 USC 1681, the credit bureaus reporting of this information is in violation of my rights. I filed disputes in XXXX, XXXX, XXXX and the credit bureaus stated the information was validated and was a lie. Therefore, this information is an error and need to be removed from every credit bureau including XXXX, XXXX, Equifax, XXXX and XXXX.
Product: Mortgage

My father passed away XX/XX/XXXX, I have been trying since XX/XX/XXXX to transfer his mortgage account to my name. Ive been told I would receive emails with paperwork needed to be filled out twice ( never received ) and sent information the said they require three times with no confirmation the paperwork was received. 
Was told I could still make a payment, attempted to make a payment of {$2900.00}, was never taken from my account and refused to give me an explanation why payment was not accepted.
Product: Credit reporting

I obtained my free credit report and noticed a XXXX XXXX XXXX Credit card on my report which shows delinquent payments. I never opened a XXXX XXXX XXXX Credit card. I tried to have the credit bureau do an investigation but they keep saying the account belongs to me. In the results document they suggest I contact XXXX XXXX XXXX which I have done several times. They concur that I have never had a XXXX XXXX XXXX credit card. But since XXXX XXXX XXXX has no record of even reporting this to the credit bureaus they are unable to do anything for me and tell me I need to go back to the Credit Bureau again to have they reinvestigate this. I have done this 2 times already with no resolve. I am not sure what to do at this point and want this removed from my report. I am not sure how the credit bureau investigates disputes but when I call XXXX XXXX XXXX and provide my SSS # they bring up my profile and verify that this is not my account. Here is the Account number XXXX .... I am unable to provide that last XXXX digits because I do not know them. 

Please advise. 

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

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

15 U.S.C 1681Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Sections 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my writ
ten instructions
Product: Credit card or prepaid card

On XX/XX/20 I was notified by my credit card company ( Barclaycard Visa with XXXX rewards ) that fraudulent charges may have been made on my account. I confirmed that the cards in question under my name and my deceased husbands name were stolen when someone broke into my home that day. The company said they would cancel all the charges and close the account. They cancelled all the charges but left one charge ( XXXX # XXXX for {$440.00} ) that was on my deceased husbands card and moved it over to the new account. I informed them of the error. They opened a claim ( # XXXX ) with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it. However the charge had not been removed and I continue to be charged late fees and interest. I called several times again and was able to get one late fee removed however the charge was still in my account. I called again and they said they had to reopen the case with the fraud department and I received a letter in XXXX informing me that it was fraud and I was not responsible for it, again! And still the charge from XXXX remains on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

a couple of weeks ago I received notification of my personal information being available on unsecured internet sites I was recommended to freeze my Experian account which I did subsequently I have applied for credit and an apartment lease I have before applying have unfrozen account and reportedly successfully but when credit providers have attempted to pull credit reports they have been told that they are not avaibable due to federal restrictions today I went to the Experian site and again the site indicates that my info is unlocked/available and yet again multiple credit providers have not been able to access the information. 

I have extremely frustrated by my inability of contacting Experian to resolve an issue that should require little effort furthermore has extreme effects on my life! 

please help
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 XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX 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: Checking or savings account

I'm being reported to XXXX by bank of America, I opened an account at XXXX XXXX on XX/XX/XXXX and then today XX/XX/XXXX XXXX closed my acct due to something being reported on my XX/XX/XXXX report from bank of America. I closed my bank of America account back in XX/XX/XXXX and has XXXX bal. I explained everything to XXXX but they said since I'm reported on ews then they have to close my acct that they opened few days ago. I spoke to bank of America and they said it XXXX balance. I really need help with this issue.
Product: Credit card or prepaid card

On or about XX/XX/2019, I went over my credit card charges and discovered that unauthorized charges were placed on my credit card issued by US Bank. Upon talking with their fraud division which has a division for checking and savings accounts and a separate division for credit cards it was determined that someone tried to open a checking and savings account in my name. I filed all the forms the bank asked for and reported this to the three credit bureaus as the bank instructed me to. The charges were canceled and a new credit card was issued along with a card that I did not authorize which I had the bank cancel. 
Now on or about XX/XX/2019 when I tried to make a payment on the phone, I learned that about {$4100.00} in unauthorized charges was made on my new credit card as a bank transfer from a checking account and charge card which was opened without my authorization or knowledge on about XX/XX/2019. I learned this from the bank 's fraud division. They said they will close the checking account and charge card as well reverse the fraudulent charges. As of today XX/XX/XXXX, the charges are still there, there is no manager to speak to and it astounds me how the bank allowed another fraudulent account to be opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone had submitted multiple fraudulent applications with multiple banking institutions, including with SYNC/BELK, SYNC/DICKS SPORTING GOODS, XXXX and XXXX XXXX. ( all were reported to the credit bureaus around XX/XX/XXXX to XX/XX/2021 ). The credit inquiries resulted from filing credit applications with the above listed institutions have already been reported to all 3 credit bureaus and has already begun to have a negative impact on my credit score.
Product: Mortgage

After Pennymac stated that they were going to " adjust '' my XXXX erroneous 1099-C to a lower erroneous 1099-C, they just added a XXXX erroneous ( false ) 1099-C " Cancellation of Debt '' ... ... ... so now I'm stuck with ( XXXX ) false 1099-C 's. ... ... .see CFPB Complaint # XXXX for the XXXX erroneous 1099-C. After I sent them another Notice of Error, all they did was refer back to their previous letters. 

There's nothing within these documents stating or listing what this supposed debt is supposedly for.
Product: Checking or savings account

Citibank told me before that savings and checks can be exempted from the maintenance fee of the checking account, totaling {$1500.00}. The maintenance fee of {$15.00} will be deducted from my account on XX/XX/year>. Citibank has no information to inform customers.
Product: Debt collection

I XXXX XXXX on XX/XX/XXXX I checked my consumer credit report and found Missouri Depart of Higher Edu has been reporting on my consumer credit reports.

Pursuant to FDCPA 15 usc 1692d ( 1 ) it is a violation to use means to harm a consumers reputation. Also pursuant to 15 usc 1692e ( 2 ) ( A ) it is also a violation to falsely represent any amount of the debt.
Product: Payday loan, title loan, personal loan, or advance loan

I obtained a personal loan approximately 2 years ago, always paid on time, never late, and the lender, Lending Point, updates the payment information every 4.5 to 5 months, which greatly impacts my credit score. This delay has caused me hurdles in getting a car loan, even though I don't have one single late payment history with any lender/credit card company.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a XXXX report that I, the consumer, XXXX XXXX XXXX, obtained from them, XXXX, dated XX/XX/2021. In reviewing this report, I discovered that XXXX illegally disclosed negative nonpublic personal information publicly to nonaffiliated third parties when they, XXXX reported multiple transactions in relation to bankruptcy case filings to third party consumer reporting agencies Equifax, XXXX, and XXXX  in direct violations of the following : 15 USC 1681 ( a ) ( 4 ), and 15 USC 6802 ( b ) ( 1 ) ( b ) ( c ).

This is in direct violation of I, the consumers right to privacy. At no time have I, the consumer, given XXXX permission to report these private transactions publicly. Additionally, at no time was I, the consumer, given disclosure and opportunity by XXXX Risk Solutions before this information was initially disclosed / reported by them to not disclose this information nor was I, the consumer, given disclosure that I, the consumer, could exercise the nondisclosure option, which I now choose to exercise.
Product: Credit card or prepaid card

On XXXX XXXX, I mailed 4 checks, two of which went to credit card companies [ PNC and XXXX XXXX  ]. The non-credit card payments arrive and cleared. Unbeknownst to me, the credit card payments did not. When I finally realized the checks had not cleared, I called both places. I am making arrangements for payment. I am also asking for late fees and negative credit report info to be removed. 

What do I need from you? PLEASE monitor if this is happening to others. Are banks " not receiving '' payment so they can boost the bottom line with late fees and higher interest rates? One bank is understandable. Two banks is absolutely fishy. 

Please keep an ear out and maybe alert media outlets about a possible problem. 

Thank you.
Product: Mortgage

We have been having a loan serviced through LoanCare , LLC ( they could be part of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. XXXX or XXXX per their website ) ). During XXXX, the loans ended. LoanCare kept extra monies owed to us. In XX/XX/XXXX we notified them of their error. After about a month, on XX/XX/XXXX, they performed an internal audit and agreed that they owe us {$2000.00}. They promised to reissue a Form 1099 and send a check. Calls to them went un-returned in XXXX and most of XXXX. On XX/XX/XXXX, I finally reached someone and they promised a call back within a day to find out what the problem was. It is now XX/XX/XXXX and no call back. I have been on hold for over an hour with them today. If you look at their XXXX reviews, I am not the only one with this problem. They do not return calls or pick up their phone it seems. Our Company is  XXXX XXXX XXXX, XXXX. Loan number XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, Experian and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from my credit file.
Product: Credit card or prepaid card

Dear CFPB, On or around XX/XX/XXXX a representative of Discover Card called my mother XXXX and claimed that she opened a Discover card account in XXXX. My mother is XXXX years old and even if she had a Discover card in the past her account was closed more than ten years ago. 

Despite the fact that my mother denied having an open Discover card account, the Discover representative speaking to her via an interpreter conducted the conversation with an attitude of crime investigator and insisted that a card in her name was opened in XXXX and ( as she understood it ) she was a subject to a fraud investigation. 

I find the behavior of the Discover card associates conducting the phone call unacceptable. I am a discover card holder for about 13 years and would really appreciate that you do not talk to my relatives in the manner described above. 

I would also like to inform Discover that I find it unacceptable to disclose any information about my Discover card account to anyone that I have not specifically authorized to disclose the information to. 

After XX/XX/XXXX the online access to my account was restricted and wen I was attempting to log in into my account I was receiving the message that you can see in one of the attachments. 

It is concerning that Discover not only handles their communications in an unprofessional manner, but it also blocks customers accounts selectively based solely on the fact that the customers are not typical customers. 

As of today my account is adversely affected since I can not enjoy the same level of services as other Discover customers have and Discover has not provided me with any reasons, other than the fact that they have not talked to me over the phone, indicating why my account is adversely affected.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX 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
Product: Money transfer, virtual currency, or money service

I created a PayPal account, it became restricted, called in, and was told by them to open a new account. I did so and that one became restricted as well as opening new accounts violates their terms of use. Now, months later I have gotten the original account unsuspended by providing legal documents such as my government drivers license, Social Security Card, and bank statements that proved proof of residency. I called in, had the documents reviewed and got the ban lifted as they saw the documents were authentic. However, that same day my account was under review again and again they asked for my I.D., proof of residency, AND passport. I do not have a passport so I called in again and got transferred to a ver batum " higher up '' where the associate explained that even she does not know why that information was being requested again as in my account she could see that my I.D . and such were approved and that my passport should not be asked for. The problem here was that I do not have a passport. She said that would not be a problem however, and just asked that I provided my I.D . and bank statement once more, and that my account would be put on a priority list to check as she already knew I was clear it seemed. 3 days later I get the notice that I am again permanently banned from PayPal, and when I called in yesterday ( XX/XX/2022 ), I was told that my account has been labeled for " null appeal '' because they found another PayPal account with my credentials, the same account I was TOLD to create by a PayPal associate about a year ago. So now, because an associate of their own company gave me direct action to violate their terms of use, which are not readily available on their site, I am no longer to use their service permanently it seems.
Product: Debt collection

Enhanced Recovery Company is falsely & inaccurately reporting. Enhanced Recovery Company is also not providing any response to debt verification requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}