23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Dear Sir/Madam. 
Bank of America froze my checking account with my funds in the account and refuse to give me money.I did go to the branch to resolve it but manager wasnt able to help me.They promise to send me a check in 10 days or so but i would like to have My Funs faster.Also they dont give me a reason for closing my account.

Another issue with Bank of America that they also closed my joint account with my spouse. 
I hope its not because our XXXX marrige bothers them, not that i really care about reasons to close my accounts. 
I just would like to receive my funds the same way i deposited them : Cash thanks for Your time and help!
Product: Debt collection

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. Jefferson Capital System LLC, XXXX XXXX XXXX, and XXXX XXXX XXXX. They are causing me economic hardship. 
In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Credit reporting or other personal consumer reports

Information was reporting incorrectly causing high interest rate on my house loan. When I showed proof of material paid off and sent it they said they would take care of it and never did. I sent Information 3 times XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. No response either time I also simply can not refinance now because the interest rates now are higher than when I first purchased my home. 

Also, the material that was paid off had been paid off for over 2 years ... ..why would they still be reporting a negative balance on a 2 year paid off account?
Product: Bank account or service

Hello XXXX XXXX XXXX, I had previouslyu written you a letter and sent it to you on XXXX XXXX, 2016 regarding my deceased mother in laws ' estate and her relationship with Citizens Bank in XXXX Rhode Island. My husband XXXX is XXXX XXXX 's stepson ( deceased in XXXX 2016 ). 




My husband XXXX XXXX was named Temporary Custodian for the Estate of XXXX and the Probate Court in XXXX Rhode Island where this case is still open. 




When my husband requested information regarding the accounts of XXXX XXXX in XXXX 2016 he was told that XXXX did not have a safe deposit box at the bank. He asked the bank manager named XXXX on several occasions and the answer was always " No ''. 




On XXXX XXXX, 2016 we received a bill in the mail for the safe deposit box account for XXXX. This was the account that Citizens Bank told us never existed. 




Furthermore, on XXXX XXXX, 2016, XXXX and I visited Citizens Bank XXXX branch. We spoke to another manager named XXXX who told us he had to check with the legal department before granting us the contents of the safe deposit box. 




On XXXX XXXX, when speaking again with XXXX, a manager at Citizens, we were told that the contents of the safe deposit box were taken by a person named XXXX XXXX. XXXX XXXX we have learned through much research, has hijacked all of XXXX 's Citizens bank and brokerage accounts which were very substantial. This also includes many annunity transactions all done through Citizens Bank. 




XXXX XXXX was illegally granted the contents of the safe deposit box. Citizens Bank told her to return the contents to the bank and then my husband and I were allowed to pick up whatever she " decided '' to return. 




The fact that someone with no legal documents was allowed to gain access to the safe deposit box is appalling. The fact is your bank lied to us and kept the information regarding the safe deposit box part of a cover up. 




It is with great regret that I must inform again of this error that Citizens Bank has done. The returned safe deposit box contents had several missing documents, CD '' s and the Will with our names on it, missing. Not to mention the jewelry and irreplaceable documents we will never find. 




I find your bank to be irresponsible and determined to cover this matter up. I would like to hear back from you as soon as possible to settle these shameful acts on the part of Citizens Bank. I am going to pursue this matter until I make Citizens Bank pay for what they have done.
Product: Credit reporting or other personal consumer reports

I am writing you this notice to update the information in my consumer report. See my letter for my accurate personal information.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX OF 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 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

I reported identity theft on card ending in XXXX months, years went by while I waited for credits. I do not shop at Macys. I am currently receiving statements from Macy 's on a card ending in XXXX which just started. I do not have a Macy 's Credit Card. At the same time I am receiving collection letters from XXXX XXXX XXXX XXXX regarding the same Macy 's Account. I have sent a Cease and Desist to XXXX. Macys is now sending me a form letter threatening to update my credit reports with this fraudulent account ending in XXXX. The Macys Identity Theft Claim on XXXX  needs to be closed properly.
Product: Credit reporting or other personal consumer reports

I have checked online, and my information was XXXX of the XXXX XXXX people whose information was leaked in 2017. Apparently, I missed the settlement date because I didn't know that my information had been misused until now. The people in charge of my credit, my social security number and private information that is the very building blocks of life, let it be stolen and since I didn't find out about it until now, they just don't have to make it up in any way? No money, no assistance, just " too bad you're too late ''??? I would like every single big of information added to my reports since the Equifax breach removed. Immediately. None of it is mine. It is all from this gross negligent breach and it's not fair for me to suffer which I am because of it.
Product: Debt collection

XXXX XXXX XXXX signed me up for an auto repairs XXXX Credit card, and entered my mailing address completely wrong. I never received ANY of the bills for the service, as they went to the incorrectly entered address. After they finally called me about it, I resolved immediately by paying bill, but XXXX had already sold the debt to a third party collector that I did not have a contract with at all. I don't believe it should be allowed that the third party collection agency be able to post negative remarks on my credit about this, since I did not have a contract with them. I also think it was poor business for XXXX to move this to collections before even contacting me to let me know about this bill. All they had to do was call but instead they moved it into collections after not getting any response, because they were mailing the bills to the wrong address.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding fraudulent items that have appeared on my credit report. Despite repeated attempts to dispute and remove these items, they persist, causing significant damage to my creditworthiness and financial standing. 

I have submitted multiple disputes and provided extensive documentation and evidence supporting my claims of fraud. However, to my dismay, these efforts have not resulted in the removal of the fraudulent items from my credit report. 

It is imperative that immediate action is taken to thoroughly investigate these fraudulent items and remove them from my credit report. Their continued presence not only damages my credit score but also undermines my financial integrity. 

I request that you expedite the resolution of this matter and provide regular updates on the progress of the investigation. Transparent communication throughout this process is essential to restoring my confidence in your organization and ensuring a satisfactory resolution. 

Failure to address this complaint promptly and satisfactorily will leave me with no choice but to escalate this matter further, including seeking legal recourse and involving regulatory authorities. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX Bank XXXX XXXX XXXX has falsely reported 3 late payments on my account to the credit bureau, when in all honesty i never used their credit card. i never had a payment to make but they called me and took payments. Upon asking they said they refunded my money back which is false. when i questioned more they said they adjusted the money in my credit balance.which i don't owe a single penny as there is o % credit usage on that account. upon asking they agreed that it's their mistake that they posted 3 wrong payments and that i should send a dispute to Credit Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and settle it. Which i did on the XXXX of XX/XX/2024 only for the transunion credit bureau to tell me that they investigated and contacted comenity bank and made changes to the account ( which is to remove those late payments from my credit report ) as they affect my credit worthiness and credit score. But, i don't see a single change. It is still the same. I contacted them regarding this and they said i should ask XXXX XXXX to send them a report requesting that they are at fault and these late payments should be removed from account, but why me? i asked for an investigation and should transunion not do that? i agree and go back to XXXX XXXX  asking to provide my report and admit to their faults and change my report with transunion and they respond with i should be writing to the same po box again requesting this? how many time do i keep doing this? if i am to keep a track of all communication and investiagtions, then what is whole point of my dispute? why can't people do their job? why is XXXX XXXX  not providing me or transunion the information? how many more months do i keep going back and forth asking for a resolution? how long do i keep waiting without buying a cr or a house or even rent an apartment? because this credit report hinders my ability to do any of this.
Product: Credit reporting or other personal consumer reports

There are many items on my credit file that are not mine and also credit accounts that have stemmed from identity theft. You are in violation of U.S. Code 1681 sections A and B. You are also in violation of U.S. Code 6802. I am ready to file a lawsuit against all 3 major credit bureaus.
Product: Debt collection

Per certified mail tracking, It's been 2-3 months. No information was given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On XXXX, XXXX, Attorney General, and FTC
Product: Checking or savings account

Capital one Bank XXXX checking account, not letting me have my direct deposit from my employer. Not giving any information or time frames. Causing my major late fees and major issues/ setbacks. I need to be reimbursed for every XXXX that this horrendous company has costed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRYS FROM THESE COMPANYS DO NOT BELONG TO ME. I HAVE CALLED AND I HAVE SENT CERTIFIED LETTER AND STILL NOTHING HAS CHANGED. 

1.XXXX Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX 3.XXXX/XXXX Inquiry from XX/XX/XXXX 4.XXXX/XXXX Inquiry from XX/XX/XXXX 5.XXXX Inquiry from XX/XX/XXXX 6.XXXX XXXX XXXX Inquiry from XX/XX/XXXX 7.XXXX XXXX Inquiry from XXXX XXXX, XXXX 8.XXXX/XXXX Inquiry from XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

I am writing in response to your recent correspondence regarding an alleged debt in your possession. 

According to your communication, you claim that I owe a debt to National Credit Services. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The original creditor 's name and contact information. 
2. The original account number associated with the debt. 
3. The date the debt was incurred. 
4. The total amount of the debt, including any fees or interest. 
5. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.
Product: Debt collection

This number calls my home every morning at exactly XXXX The caller id does not ID them and then they hang up. Research on the internet determined they are id scammers who call to collect very old and often non existent debt. Other than hang up phone calls I have had no other contact attempts made to me by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

XX/XX/2021 i had started a job working from home, i was sent the equiptment and asked to use the funds provided for specific reasons to the job duties that i was informed of via an employment contract, the funds cleared and posted, I was then a month later told the funds were counterfiet. After having already stopped the transactions because the amount of money made me feel uncomfortable, the following 2 fraud disputes were filed and denied leaving me responsible for the debt of {$14000.00}. I took internal care of noticing the money was becoming excessive and the money was no longer autorized by me, i quit the job. However a month later they charged it all back to me and denied me any claims assistance. Please tell me how I can proceed with a forced closed account with Bank of America owing {$14000.00} at this point. I was misled with false information several times during the claims and denied. I also believe the checks were not countefeit.
Product: Credit card or prepaid card

I found out in a credit report someone opene d a CBNA  credit card under my name and social security, and using it. It was opened back in  2012,  and since then accumulated amount of {$5700.00}.   I have not received any statements, balances, calls or warnings form anywhere, so it must be that somebody is involved in identity theft.   I have not heard of the existence of this card or debt until I applied for mortgage, and the mortgage agent notified me about this suspicious card and activity.
Product: Credit card or prepaid card

In XXXX of 2019 on I spent one night at a XXXX XXXX hotel near XXXX while attending a family event. I had reserved the hotel room using a PNC credit card. The quoted rate was XXXX $ per night. Normally I use my credit card only for reservations and use a debit card during check out. The hotel however charged the PNC credit card and for which I was unaware. 

More than 9 months later I received a call from PNC informing me that I owed over XXXX $ on the credit card. I told the PNC representative that I have not used the card and do not normally charge anything to credit. That there was a mistake. She informed me that the records showed a charge in XXXX of 2019 for roughly XXXX $ and a second charge of XXXX $ from XXXX XXXX hotel. The remaining charges were late fees and interest. I informed her it was a mistake and the second XXXX $ charge was definitely wrong since I spent only one night at the hotel. She told me I would need to have that erroneous charge of {$250.00} resolved with the hotel. I had never received a statement or credit card bill from PNC, her phone call was the first time I became aware of the charges. 

I asked where the bill was sent and she told me an email address. It was an incorrect email address. I asked why they hadn't called. She said they had called and when I asked what number she gave me an old landline number that has not been in service for over 18 months. 

She told me I would need to pay the original charges of the XXXX $ and erroneous XXXX $ to clear my credit and that the accumulated late fees and interest would be waved. I would need to recover the erroneous XXXX $ from the hotel. I agreed and paid the original balance of over XXXX XXXX I also asked the card be cancelled so that no further charges could be made on the card. Since then I have been receiving calls from PNC credit informing me that I now owe over XXXX $ and is accumulated late fees and interest. Each time I repeat my story and then told it is noted in the record and that a supervising is looking into it, yet the continue to add charges and continue to call. 

I had been a customer of PNC for over 30 years. I never use the credit card and is reflected in their history. 

In summary, 1. My card was erroneously charged with {$250.00}. 
2. I was unaware of the charges and PNC was sending the statements to the wrong address and calling a phone number that I no longer had. 
3. PNC continued to charge late fees and interest on a card I cancelled and on a balance I had paid, despite the charge being erroneous. 
4. I have been told by several representatives that the issue is being handled by a supervisor, but continue to receive phone calls and told that fees are still being charged to the credit card account. 
5. PNC is attempting to collect over {$600.00} of additional fees and interest on an original charge of XXXX $ which had been subsequently paid along with an erroneous charge of {$250.00} that had also been paid.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2024 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$420.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$360.00} XXXX  XXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$440.00} XXXX  XXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$150.00}
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX, 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
Product: Debt collection

These were fraudulent charges that had been disputed and closed in XXXX by them and the credit bureaus for not providing proof. Portfolio recovery bought this from XXXX XXXX. It was removed from my credit years ago and without a 5 day reinsertion letter on XX/XX/XXXX they reinserted it. The amount has increased. The dates have changed also. They have the last payment date and the open and close date the same as the reporting date of XX/XX/XXXX for all 4. They call 5-7 times a day from XXXX XXXX- XXXX XXXX, they call from all different numbers after I tell them to stop calling on the first call. They threaten me that I'm conducting criminal activity and they are going to sue me and garnish my wages and assets. I have requested proof with them and they never send it.
Product: Debt collection

Dear Support Representative, I just discovered this and it has been effecting my credit since XX/XX/2017. 
My family been a customer of XXXX for 15 years and handling this account for almost 10 years paying all of my bills on time. 
I never opened the account that is in collections and marked with XXXX and pay my bills with XXXX on time every time for a decade now. 
I would appreciate if you can help me remove this derogatory mark as it affects my credit history. 

Sincerely, XXXX XXXX