23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been receiving calls from a private number from the same female saying she was with PORTFOLIO RECOVERY telling me that I will be sued on a time-barred debt if I do not make a {$5.00} payment by calling XXXX, she goes on to say that as long as I make at least a {$5.00} payment, that they would be willing to settle for 10 % of the account balance over a 6-month timeframe and that if I did not make that payment, The calls started on XX/XX/2024 and I received a total of 4 calls up until XX/XX/2024. She was adamant that I had to call that other number and that she could not take the payment through the instant phone call. I have verified that the number I was given is a valid number for PORTFOLIO RECOVERY. If I were to make a {$5.00} payment, this would re-age the account causing the date it would drop off of the CRA 's to extend back to 7 years. This is a deceptive and fraudulent tactic to trick me into making a payment that would trigger a re-age. Because the caller was blocking her number, this would indicate they do not want to be identified. Therefore, there would be no documentation that they called me, nor a recording of the phone call. It would simply look like I made a payment, and this Company would be able to continue to report this on my reports. I believe it is a PORTFOLIO RECOVERY employee trying to affect a payment illegally and in violation of Federal Law.
Product: Debt collection

I spoke with XXXX on the XX/XX/XXXX and she put me on hold for 15 minutes stating she couldnt find anyone to help me but she gave me the number to XXXX who handles their bankruptcies. I told her that XXXX didnt report to the credit bureaus, JH Portfolio does. So she suggested I call back later to see if I could get someone to help me. 

I called again on XX/XX/XXXX and spoke to XXXX again. She put me on hold and came back to say that her supervisor says its supposed to report as an open collections account and it will stay that way until its discharged. I asked to speak to her supervisor, XXXX, who said they send the same code to each credit bureau and theyre supposed to be reporting the same way. She stated that it will stay in open collections due to my agreement with the courts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received several e-mails from Synchrony Bank informing me that there had been payments received on an account which I did not make. and that there had been activity on an Amazon credit account which I do not have.

I tried to contact them by e-mail and by phone but could only get an automated response which did not address the problem. I tried to contact two of the credit reporting companies which asked for my social security number via automated system. I have no Idea how to handle this problem. If some one Is using my personal information to get credit I don't know how to stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act XXXX  account XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681b section 604 ( b ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I NEVER GAVE PERMISSION TO REPORT ANYTHING TO MY CREDIT REPORT.

15 U.S.C. 1681 section 602 ( b ) respect for the consumers right to privacy.
Product: Credit card or prepaid card

On XX/XX/18 I called Bank of America to ask for help in lowering my payment or my interest rate. I have a large amount of debt and am struggling to even make the minimum payments, which are all going to interest. I have had this debt for multiple years along with another large credit card from another company and now a car loan payment. They said that my interest rate was the lowest they could do, without even asking any questions and said there was nothing they could do to help and suggested I look into a debt consolidation company.
Product: Credit reporting or other personal consumer reports

I am submitting this FTC Identity Theft Affidavit to report for fraudulent accounts on my consumer XXXX credit report that I do not recognize and which are the result of identity theft. These unauthorized accounts include a personal credit card account opened with XXXX on XXXX, XXXX, XXXX, an account opened XXXX on XX/XX/year>, and an account opened with XXXX XXXX on XX/XX/year>, each under a unique account number ( not disclosed here I request that these fraudulent entries be removed from my consumer credit reports and that all related collection activities cease, in accordance with my rights under the FCRA and FDCPA laws XXXX
Product: Credit reporting or other personal consumer reports

I believe my information was involved in some type of data breach - Transunion has been releasing my information to companies for rental pre-screenings that are not mine. I've had my credit frozen since XX/XX/2023 and Transunion told me, if the companies had my information on file the freeze won't prevent this type of credit pull - because it's not considered new, and they said they can not help me as these are not hard inquiries. 

XX/XX/2023 - XXXX XXXX XXXXXXXX XXXX Transunion XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX via Transunion XXXX XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXXa Transunion XXXX XXXX XX/XX/2023 and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Transunion XXXX XX/XX/2023 - XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and delete some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

IN MID XXXX I TRIED TO START AN INVESTIGATION ON MY NEIMAN MARCUS CREDIT CARD ACCOUNT. I WAS GIVEN THE RUN AROUND AND MISS INFORMATION FOR A WEEK. I FINALLY SPOKE WITH XXXX IN THE CREDIT DEPT WHO TOLD ME TO OVERNIGHT A LETTER TO XXXX AT XXXX. XXXX XXXX, XXXX, TX XXXX. THE LEETER WAS DELIVERED ON XXXX XXXX, XXXX. NUMEROUS PHONES WERE MADE. I SPOKE WITH MS. XXXX, XXXX, XXXX, AND XXXX. ON XX/XX/XXXX I WAS TRANSFERED 7 TIMES BETWEEN NEIMANS AND CAPITAL   ONE WITH NO ANSWERS AFTER BEING ON THE PHONE FOR OVER 1HOUR. 

MY ISSUE IS THAT I AM TRYING TO REFINANCE MY HOME AND TAKE MY EX HUSBAND OFF OF MY MORTGAGE. THE ONLY THING HOLDING ME BACK AT THIS POINT IS 1 30DAY LATE PAYMENT TO NEIMANS FROM XX/XX/XXXX. THIS WAS AVERY STRESSFUL TIME FOR ME. MY DAUGHTER CAN BACK FROM XXXX AFTER THE HOLIDAYS AND HAD HER XXXX  XXXX XXXX XXXX. 3DAYS LATER SHE BECAME XXXX  XXXX  AND I HAD TO TAKE HER TO THE EMERGENCY ROOM. SHE HAD XXXX  XXXX  XXXX  SYMPTOMS INCLUDING XXXX  XXXX, XXXX  XXXX, AND XXXX. THIS WAS BEFORE WE KNEW A LOT ABOUT XXXX  XXXX  OR THAT IT WAS IN THE USA. BECAUSE I WORK IN XXXX I WAS AWARE THAT XXXX  AND MY XX/XX/XXXX XXXX  XXXX  FOR THE XXXX  IN XXXX. 

ALL I AM ASKING IS FOR THIS ONE MARK TO BE REMOVED SO THAT I CAN GO ON WITH MY LIFE AS A SINGLE MOM THAT HAS PUT XXXX  GREAT CHILDREN THROUGH COLLEGE SINGLE HANDEDLY AND AM NOW READY FOR MY NEXT CHAPTER.
Product: Checking or savings account

On XXXX XX/XX/year>, I had a CD mature. On that same day, I went online to cash out the CD, and chose the option to cash out to my savings account. How, Capital One renewed the CD anyway. They are now saying that specifying that the CD should be cashed out on the day of maturity was too late. This doesnt make any sense as Im supposed to get 10 days after maturity. They said me setting it to cash out on the maturity date was applied to the new CD. I clearly did not want the money put into a new CD. Thats why I was making the designation to put it in a savings account! They are now saying I have to pay 4 months penalty ( nearly XXXX XXXX ) to access my money. I believe I should be able to access my money without the penalty.
Product: Checking or savings account

Subject : Urgent Complaint Against PNC Bank Unauthorized Charges and Lack of Resolution Dear Federal Trade Commission, I am writing to formally escalate my complaint against PNC Bank regarding unauthorized overdraft charges related to a returned Clover Flex device and their refusal to provide a resolution. 

As previously stated, I received a Clover Flex device from PNC but was unable to use it because the system required an XXXX number and authorization key, which PNC could not provide. Due to this issue, I returned the device, yet PNC still overdrafted my account. 

I contacted their customer service to dispute the charge and was assured that the issue would be investigated. However, after nearly two weeks without any follow-up, my account was overdrafted again. Today, I received a call from a PNC manager named XXXX, who informed me that PNC would not take any action to resolve this issue. When I requested a written statement regarding this decision, he refused. 

PNCs actions constitute unfair and deceptive banking practices, including : Charging my account for a returned and non-functional device Failing to provide a resolution despite acknowledging my complaint Overdrafting my account multiple times without justification Refusing to provide written confirmation of their decision I request that the FTC investigate PNCs handling of this matter and take appropriate action to prevent similar incidents from happening to other customers. Additionally, I am seeking a full refund for the wrongful charges and overdraft fees imposed on my account. 

I appreciate your time and assistance in addressing this issue. Please advise on the next steps. 

Best regards, XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received a certified letter from Jormandy , LLC dated XX/XX/2023 stating that they were collecting a debt for {$1000.00} for a cell phone lease purchase from XXXX XXXX that was made in my previous name, XXXX XXXX. I have never heard of this business and did not make this purchase or authorize it. Previously I have notified that my personal data was collected in several data breaches, including XXXX. 
I responded to Jormandy , LLC that I was a victim of identity theft and was not responsible for this debt, informed Jormandy , LLC that I was disputing the debt, and requested the name and address of the original creditor. I received a letter dated XX/XX/2023 and copy of a lease agreement for a cell phone lease purchase made in my name from XXXX XXXX, XXXX. The person who made the purchase gave my name, the last four digits of my social security number, and an email address with my former name as part of it. This is not an email address I created, used, or was aware existed. 
On XX/XX/2023 I sent a letter to Jormandy , LLC certified mail. They signed for the letter on XX/XX/2023. Included with the letter was proof of my identity in the form of a copy of my Virginia drivers license along with a copy of an FTC Identity Theft Report I had filed about the identity theft and unauthorized lease purchase. At that time I requested proof that I owed the debt in the form of an application, account statements and/or invoices, records of payments and charge slips, delivery addresses associted with the account, records of phone numbers used to activate or access the account, and an investigator 's report. To date Jormandy , LLC has not provided this information. 
On XX/XX/202 Jormandy , LLC sent a letter stating they had never received the copy of my drivers license or police report. They signed that they received a copy of my drivers license and FTC report on XX/XX/XXXX. 
On XX/XX/2023 I sent another certified letter, which they signed for on XX/XX/XXXX, and included a copy of the receipt they signed when they received the package with information on XX/XX/XXXX, along with a copy of my previous letter and reiterated that this was a case of identity theft, I did not owe the money, and requested they stop all collections activity. 
Next communication was a letter from Jormandy , LLC dated XX/XX/2023 stated that they are attempting to collect the debt. 
I feel I've exhausted what I can do. Jormandy , LLC can not provide proof as I did not make this purchase as I did not make it. There was no credit check made that I can find, and I believe they will keep harassing me to try to make me pay so they leave me alone. I do not owe this debt and will not pay it. I do not want this to affect my credit.
Product: Credit reporting

EQUIFAX since they seem to be in coots with this new fake company called XXXX XXXX XXXX. See complaint I filed with the Attorney General 's Office, XXXX XXXX. XXXX had a collections for XXXX on my EQUIFAX credit report. After disputing and proving that it is NOT a valid collections belonging to me it was removed. EQUIFAUX allowed it to be added back to a FAKE NON LICENSED collections company called XXXX XXXX XXXX.. I have reported both to the BBB and Equifax without relief.
Product: Debt collection

I have been disputing this debt for 4 years it was charged off, I have a court date in XXXX XXXX MS XXXX XX/XX/XXXX, the statute of limitations is up ( Mississippi Law 3 years ) XX/XX/year> 2020
Product: Debt collection

I have sent a letter to validate this debt once in XX/XX/XXXX and again in XX/XX/XXXX. I asked Portofolio Recovery Associates to send an agreement with your client that authorizes you to collect on this alleged debt. An agreement that bears signature of the alleged debtor wherein he/she promises to pay the creditor, and a complete payment history on this account to prove that the debt amount you wish to collect is correct. Portofolio Recovery Associates,  did not provide any of the information I asked for to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account closed and the balance that is on my credit report is incorrect. I file a complaint with the creditor ( # XXXX ) and they verified that there was no information in regards to myself nor the balance. I sent in documents to Experian and XXXX for this account be removed based on the creditors lack of verification. XXXX has removed it from my report.
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 XXXXXXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting

Every month I challenge NOT DISPUTE the reporting tactics of Experian and they keep avoiding my letters. They are breaking the law ( Section 609 ) of the FCRA. You will find attached a copy of new report that I received today. Experian is unwilling to provide proof that the accounts listed 1. XXXX and 2. XXXX. So here are the facts. I have been contacted by XXXX and they are telling me that this is an apartment lease with the name XXXX XXXX attached to it. This account is not in my name, I am not responsible for it but Experian is telling me that they have verified this account as being mine. THIS IS 100 % false and they are lying about this to just keep something negative on my credit report. I contacted XXXX and they refuse to send me the original signed contract so what does that say about this BOGUS! 2. All XXXX accounts XXXX in total I believe can not be verified by physical documentation. I have reached out to them and they do not have any original signed agreements from me. This is also a medical bill, and by the doctors office turning this information over to this ARS company they are in violation of HIPAA because no document was signed giving them permission to share any medical information with a 3rd party, this goes for me or any patient. ARS is unwilling or unable to provide sufficient physical proof with me that these accounts are mine much less that the account balances are accurate. Yet Experian says they have verified them and now say that they are pending. Sorry Experian but another bureau had these listed against me and removed them within 30 days because they could not verify the information to meet FCRA guidelines so how can you? You are breaking the law and you are should be held responsible for physical and mental anguish that you have caused me by having to file these complaints. I recently spoke to your rep on the phone and had to remove a Fraud Alert that you keep placing on my file to try to justify you breaking the law and when I asked her why this information was still on my credit she said the creditors are the ones that report this we just list it WHAT A JOKE. That is not what the law says. The FCRA section 609 specifically is fully meant to provide a guideline to what YOU do not the creditor. So why are you breaking the law? Why is it when I ask you to show me physical proof that what you are reporting is correct you can not or refuse not to do so? Experian is breaking the law we need JUSTICE to prevail here as i am sick and tired of having to file these complaints but because it is my right to do so I will continue to do so. The next step if this is not resolved is to call the CFPB and speak to them directly so that you can be put in your place per the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no financial obligation to this company and because I never signed for this account, please take them off from my credit report.. Experian is not following the laws I have provided a police report and the items are still listed on my credit report XXXX  CARD   XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus. 

XXXX : shows 1 -30 day late payment reported for XX/XX/XXXX XXXX : shows 2 -30 day late payments reported for XX/XX/XXXX and XX/XX/XXXX XXXX : shows 3 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : shows 4 -60 day lates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX shows 1 -90 day late XX/XX/XXXX XXXX shows 9- 90 day lates XXXX Last Activity : XXXX shows none XXXX shows XX/XX/XXXX XXXX shows XX/XX/XXXX Closed Date : XXXX  XX/XX/XXXX XXXX shows none XXXX XXXX none *if the account was closed in XX/XX/XXXX how am i still being reported as late ? *
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made a one time payment of {$240.00} to XXXX XXXX as a XXXX gift to my sister. This was a car payment for her, which was due on XX/XX/XXXX. As I mentioned, this was intended as a one time only payment. I have since signed back into the XXXX XXXX  website, and discovered that my banking information was retained on the website. This enables anyone, at any time to sign into the account and use my finacial/banking information for additional payment. Ii is unclear to me whether or not this information of mine can be assimilated to other accounts for access to my checking account. I have made multiple inquires to XXXX XXXX  to have this information removed. They stated the payment was done by a third party service, XXXX, offered by XXXX XXXX. They also stated they are unable to remove my information from their website and that only XXXX/XXXX  XXXX can do so. I frankly find it difficult to believe a company can not remove information from their own website. The payment was entered on the date indicated above. It was posted to XXXX XXXX  's website immediately. The account number it was posted to is : XXXX. Account holder is XXXX XXXX. XXXX. Vehicle VIN # is : XXXX. Payment confirmation # from XXXX/XXXX  XXXX is : XXXX. My request is to immediately and permanently remove my banking information from XXXX XXXX 's website. I feel it is not right that information is held without my permission. The account information in question is posted on the website as XXXX XXXX XXXX. There is a radio button next to this account information which gives immediate access to my funds. I am enclosing additional documentation to substantiate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Capital One XXXX account XXXX should not be reporting on personal credit. Original agreement made through business I did not personally guarantee. Requested Original Loan application via credit dispute I have not received anything as a result must be removed from personal credit and properly updated.
Product: Credit card or prepaid card

I have a Bluebird by AMEX account I use for my kids. Someone apparently hacked my login, moved all my kids funds to my main account and transferred {$10.00} to a XXXX party. They then tried to drain the account completely. This was all done as a XXXX transfer which Ive never used and have no idea what it is. Luckily, their fraud dept caught the larger transfer and stopped it and alerted me. I changed all login and security info, while on the phone with them, and opened a dispute for the only actual loss of {$10.00}. THEY are the ones who alerted me about the fraud, but have now denied my claim for the {$10.00} twice as it was an authorized transfer. It was not. If their fraud dept would look at at the account, it would be quite obvious. But after XXXX hours in the phone, no resolution or competency has been reached.