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

The issue is with Kay Jewelers. The issue came to the forefront at XXXX XXXX on XXXX/XXXX/XXXX. 

While attempting to make a purchase in a store, I was advised that my account was suspended due to some NSF payments. Back in XXXX XXXX, I setup auto pay online using a XXXX checking account ending in XXXX, I authorized Kay Jewelers to deduct {$25.00} each month on the due date. In XXXX XXXX, there was fraudulent activity on the account ending in XXXX, which ultimately forced caused me to have the account closed. 

I logged into my XXXX account XXXX/XXXX/XXXX deleted the XXXX XXXX payment account ( XXXX ), deleted any future auto payments from this account and added, to the new auto pay acct with XXXX XXXX ending in XXXX and setup a SAME DAY payment for {$25.00} as well as an auto payment that was to being in XXXX on my due date. Again, the account ending in XXXX was removed and it appeared NO WHERE on the account. I received an email confirmation of the changes. From a CUSTOMER standpoint, I performed the processes based on instructions from the website. 

It was brought to my attention, last night while attempting to pay for merchandise that my account was suspended for purchases for the NEXT 6 months because of NSF charges. Whatever processing system used by XXXX XXXX 's CONTINUED TO PULL FROM THE DELETED ACCOUNT ENDING IN XXXX!!!! 

I ended up calling into the call center last night ( XXXX/XXXX/XXXX ) and spoke with a CSR who was not ANY assistance at all and rude on top of that. I ended up requesting to speak with a Supervisor, I spoke with XXXX who ultimately CONFIRMED THAT THE TCF ACCOUNT ENDING IN XXXX WAS NO LONGER ATTACHED TO THE ACCOUNT AS OF XXXX XXXX, HE ALSO STATED THAT HE " DOES N'T KNOW WHY THE SYSTEM IS CONTINUOUSLY ATTEMPTING TO DEDUCT FROM THE ACCOUNT THAT WAS DELETED '', HOWEVER THIS IS NOT KAYS ISSUE AND THEY COULD NOT LIFT THE SUSPENSION FROM MY ACCOUNT. He also verified that payments were coming out of the account ending in XXXX since XXXX as they should be. I also noticed that I have been charged 4 different times @ {$25.00} a piece for NSF fees and returned check fees, this has tacked on ANOTHER {$100.00} to my account, which will accrue interest. 

I the customer have been humiliated both at the store and on the phone. Although Kay representatives REALIZE the MISTAKE within their system caused and that this issue is NOT my fault, I am the one being penalized and inconvenienced. I logged onto the online system to update my payment information in a timely fashion and if their system was malfunctioning and NOT processing online request and updates the way it should have is NOT MY ISSUE!
I have YET to miss a payment to this company. The {$25.00} has been pulled AND posted to this Kay account as it 's being paid from the account ending in  XXXX. 

During the month of XXXX and XXXX, Kay Jewelers has attempted to process 2 simultaneous payments from me, one from a closed account ( that was removed ) and 1 from the valid account where payments have been successful.
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit. And I feel that i was negatively impacted, and this is hurting my chances at receiving housing and credit after receiving a response to my earlier dispute that the accounts were " verified '' complaint number- XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of a FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Transunion has listed an account on my credit report that was previously disputed and deleted. The company has actually sent an electronic tracking to expedite the deletion. Additionally, my XXXX XXXX credit card balance is reporting incorrectly. The balance is $ XXXX less than what is reflected on my credit report.
Product: Checking or savings account

I opened a business checking account for my small business 20 years ago with Wells Fargo. For some reason at the time they required me to open a business savings account in addition to the checking. I haven't used the savings account in all this time, but I recently closed my checking account. Today I got the statement for the savings account which reminded me I needed to close it too. I tried to do so at a Wells Fargo branch. The teller said I wasn't authorized to close it, as did the banker. They said I was listed as an " employee '' on the account instead of the owner. I told them I've always been a sole proprietor and never had any employees. They said it was an error in their system. I asked them to fix the error and allow me to close the account immediately. They refused, saying they had to investigate their error before allowing me to close the account. I asked them to use the same criteria that allowed me to recently close my checking account to close the savings account ( since the accounts were linked ). They refused. First they forced me to open an account I didn't need, now they won't let me close it. Shameful business practices from a notoriously shameful company.
Product: Mortgage

They told me if u didn't pay the late payments they would take my place. So I used the insurance money from. My house burning down
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  XXXX bankruptcy was XXXX in 2014. Rushmore Loan Services never reported my payments to the credits bureaus and now y mortgage is with XXXX XXXX and they are not reporting my payments. My mortgage was not included in the bankruptcy.
Product: Debt collection

I received a call today from XXXX XXXX XXXX XXXX and one previously several months ago. Caller says name is XXXX. I called back today and they were XXXX XXXX, and woman said I had received a cash payment from AmericanExpress that was not repaid. 
I have never had a cash advance from any credit card company. I have not, to my knowledge, had an AE card ever and my ex. XXXX Husband had one when we were married in the XXXX and XXXX. I was told they are filing charges! They DID have the last 4 numbers of my SS #. 
I have no debt. I am now a single XXXX yr. old woman. I have one XXXX Master Card I pay in full every month. I have no loans, no mortgage, own my own car outright, and am not a deadbeat and never have been. My credit score is XXXX. 
I get very upset when I get calls like this and want them to stop. I have had my identity stolen about XX/XX/XXXX and the FBI became involved because my SS was stolen, my rebate never came from IRS because another person filed in my name and received some debit card which they had requested as the form of rebate. 
Please help, and let me hear from you. XXXX XXXX. email : XXXX XXXX
Product: Credit reporting

They are not verifying or updating my the accounts they just keep writing me back saying they have been verified. I 'm asking for original contracts, and they just keep sending credit reports. Some of the collection agencies have even written me saying they will no longer be reporting or asking for anymore money from this point on, but nothing is being updated.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally file a complaint against XXXX, XXXX, TransUnion, and XXXX for their continued reporting of inaccurate bankruptcy information on my credit reports, which constitutes a violation of consumer protection laws. 

Despite multiple attempts to resolve this matter directly with these credit bureaus, the incorrect information remains on my credit reports. The bankruptcy information being reported does not match my name or address, indicating a clear error. I have submitted disputes to each of these credit bureaus on several occasions, yet they have failed to address my concerns and correct the inaccuracies. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure the accuracy and completeness of the information they report. The presence of this erroneous bankruptcy information has adversely affected my creditworthiness and caused significant distress. The failure of XXXX, XXXX, TransUnion, and XXXX to rectify this situation despite repeated requests is not only negligent but also a breach of my rights under the FCRA
Product: Credit reporting or other personal consumer reports

Equifax claimed to have verified a fraudulent bankruptcy on my personal credit file that I have never filed yet they did not reveal the furnisher of the information and I demanding this information, complete validation of the below mentioned Bankruptcy : XXXX : XXXX Filed Reference number : XXXX Court : US DIST CT Validation of a Debt Request Pursuant to 15 USC 1692g .

BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you OR have ever filed XXXXXXXX XXXX XXXX and who validated this account. 
At this time, I will also inform you that if your offices have reported invalidated information on my personal credit file ... ..this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 15 days to investigate this information, during which time all repoting of the said Bankruptcy must be blocked from reporting. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.

If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 

Sincerely, XXXX XXXX XXXX The Following information is required. Please fill out the form below in its entirety. 
Name and address of Alleged creditor : Name on file of alleged debtor XXXX Name Address City, State Zip Acct # XXXX : XXXX Filed Reference number : XXXX Court : US DIST CT DATE : Collection Agency Name WHOM FURNISHED THE INFORMATION TO EQUIFAX Address City, State Zip
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit monitoring service with experian. I recently tried to dispute balances on my two credit card accounts, I have used my XXXX  credit card and have a XXXX balance but their report says XXXX balance and they lowered my credit score as a result saying that I am not using this account I also have updated or paid the balance on my XXXX XXXX credit card ( from XXXX to XXXX ) when I try to dispute this on the online dispute site it says submission failed so blocking me from submitting my disputes. When I reached out to an agent they said my only option was to cancel my credit monitoring account with experian. I also paid off my entire mortgage balance after 10 years of exceptional payment history and experian lowered my credit score! I paid off a mortgage in 10 years time, that should be considered a good thing! I also reached out to experian about unauthorized charges to a XXXX XXXX account from a company called XXXX List  that resulted in late payment reports on my credit account. After disputing this with the company they agreed to take these off as the charges were unbeknownst to me but experian still has not removed them. Experian is preventing me from submitting disputes about updating credit card balances, lowering my credit score when I pay off something huge, and not taking action on disputes about unauthorized charges. I had exceptional credit before I signed up for credit monitoring with them and now my credit is in the fair range. This is not fair to me and my payment history reflects a lot higher score than what experian is reporting. This need to be fixed as it is illegal to block consumers from disputing items on their credit report.
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as Equifax, XXXX and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX Balance : {$130.00}
Product: Debt collection

This is the third time this company has placed a trade line on my credit report with out valid proof of debt or even proof they are authorized to collect. 

I have requested this information on 2 separate occasions. Once in writing and another by dispute. Both times this company was required to remove this information as they did not provide significant information.
Product: Student loan

The bank has failed to contact me ( co signer ) on my daughters delinquent account. Damaging my credit with no notification. They said they had the wrong address. I have had my checking account with them since XX/XX/XXXX and they new my address. The bank continues to fail to provide me XXXX on interest that I paid XX/XX/XXXX. I have tried to conslidate the loans but they drove my credit score so low I did not qualify at a low enough rate to afford the payments. Wells Fargo continues to fail to work with us asking for payments we are unable to provide at this time. The interest they are charging me after they drove my credit score down would lead me into default. Wells Fargo departments do n't coordinate with each other telling us if we made 3 payments on the late account they would help to bring the loan current. They continue to fail to work with us to resolve all issues relating to my daughter student loan accounts.
Product: Vehicle loan or lease

On XX/XX/XXXX, I mailed my monthly payment of {$280.00} for my auto loan. When I called the bank to check the statues on my account in XXXX, the told me, they have received my payment for XXXX, and my next payment was due in XX/XX/XXXX. After I mailed my XXXX payment on XX/XX/XXXX, they told me they did not receive a payment for XX/XX/XXXX. Now they want me to pay an extra {$280.00} for the month of XXXX. The name of the bank is called BBVA Compass bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau date the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 35 days later I have not received a response yet. I feel like Im been taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these within 30 days gives reason to immediately remove those items from my credit report it has been over 35 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over a year ago I reported the lost of my entire wallet, Inwhich lead to my identity being stolen and my personal information being compromised. I summoned the three ( 3 ) major credit reporting agencies to show just cause the physical proven documentation of these unauthorized fraudulent accounts. What Method Of Verification was used to support the reporting. I asked for the names, dates, time, titles of the person or persons inwhom collected this information. Without filing suit on the credit bureaus, I'm respectfully demanding that the following accounts be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX {$250.00} 2 ) XXXX XXXX XXXX {$1000.00} 3 ) XXXX XXXX XXXX {$730.00} 4 ) XXXX XXXX  5 ) XXXX/XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX
Product: Debt collection

On the morning of XX/XX/XXXX I get a notification on my XXXX report of a derogatory remark from a XXXX XXXX XXXX stated that I owe a balance of {$500.00} from a First Cash. I called this company and spoke with a XXXX XXXX who was very rude and unprofessional. When speaking with him about this account I informed him that I have not done business with First Cash since XXXX and my account was settled and paid in full back in XXXX. XXXX stated that I owed the balance and as he was checking his records he noticed I have a second account from first Cash in the same amount of {$500.00} and I asked when was it taken out he stated this month XX/XX/XXXX he wouldn't give me an exact date. I explained that I would like the item removed from my credit report and that you will not get a dime of money from me with this SCAM! XXXX said the only way to have it removed is to pay the amount. After my call with XXXX XXXX I tried to contact the company that he was referring to and it is no longer in business. My issue with this company is that I had the same problem with them last year ( XXXX ) in XXXX reporting false information on my credit report about this same balance of {$500.00} from the same company ( First Cash ) and I submitted them paper work ( paid in full letters ) of the balance being paid in full. I got the issue resolved and the false information removed when I contacted the bureau submitted the same paper work I submitted to XXXX XXXX ( paid in full letters ) as well. I'm getting very bother by the fact that this company, that is a SCAM can report false information on my report which is a big in convince when I have perfect credit and is in the process of doing business transactions where my credit plays a major part for my business! Therefore at this point in my life if I needed to borrow money I can go to a bank to do so! being a business owner. These people are very RUDE! and so unprofessional and they need to be STOPPED! with these scare tactics to give them your money. I would like for this company to be investigated! We are in one of the largest Crisis in history COVID-19 and you have a company trying to collect on accounts that have been paid when you have legitimate company 's that aren't even harassing individuals or trying to collect money from people with real accounts. I want it to stop and I want everyone to Know that XXXX XXXX XXXX is a SCAM! and please beware.
Product: Credit reporting or other personal consumer reports

My information was leak due to data breach an is in the XXXX XXXX  which is creating a problem with my credit report i would like to remove it from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

Improperly shared information with a third party about my medical/dental debt and services. 
FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) requires the removal of derogatory information that can not be verified. The account can not and have not been verified. My previous disputes with the 3 agencies have been ignored to date. Please provide a FULL CONSUMER FILE DISCLOSURE. 15 U.S.C. Section 1681g ( a ) ( 1 ) for verification of debt and material facts supporting reporting.

The account has not been verified and no HIPAA release has been provided to me for any of the medical debt and reporting of radiological services. The HIPAA privacy rule requires a " business associate '' ( collection agency or billing firm ) to reasonably limit the amount of information disclosed for such purposes to the minimum necessary as well as to abide by reasonable requests for confidential communications. HIPAA Regulations, the Privacy Rule requires an Associate to enter into a partner contract containing specific requirements with an Associate prior to the disclosure of PHI, as set forth in, but not limited to, Title 45, 164.502 ( e ) and 164.504 ( e ) of the Code of Federal Regulations ( CFR ).

Pursuant to 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.

REMOVE ACCOUNTS IN HIPAA VIOLATION : XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$87.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX {$520.00} XXXX. ) XXXX XXXX XXXX  XXXX XXXX {$100.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXXXXXX XXXX {$500.00} XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00}
Product: Debt collection

XXXX is reporting a debt under my credit report and has refused to remove it, they have removed several collections to my name but have been continuing to remove this one and have been yet to provide evidence that this debt belongs to me, and NONE of the reported information is accurate. They have shown no contracts, loans, supporting documents, signatures or any other links or evidence to show this debt belongs to me.