23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TD BANK po box XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Subject : Request for Deletion of Inconsistent Information from Credit Report Dear Sir/Madam , I hope this letter finds you well. I am writing to formally request the deletion of inaccurate and inconsistent information from my credit report. After reviewing my credit report, I have identified an entry that I believe contains errors or inconsistencies that require immediate attention and rectification. 
Account Information in Question : Account Name/Number : XXXX Creditor Name : T.D Bank Date of Report : XXXX I believe that this entry is incorrect due to the last activity dates as Last Activity XX/XX/XXXX, Last Activity XX/XX/XXXX and Last Activity XX/XX/XXXX. The payment history also shows inconsistencies as wel Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have any inaccurate, incomplete, or unverifiable information removed from my credit report. I kindly request that you investigate this matter, and if the information can not be verified or is found to be inconsistent with my records, I request that you delete it from my credit report entirely. 
Please inform me of the outcome of your investigation within the 30-day period required by law. If you require any further documentation to support my claim, I would be happy to provide it. 
Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of this issue. 
Sincerely, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

National Credit Systems continues to attempt to collect a debt that I simply do not owe.
Product: Credit reporting or other personal consumer reports

I am Listing 5 Fraudulent Inquiries from my Transunion credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the listed inquiries do not belong to me and must be removed from my transunion credit report. I had a call with all companies and credit reporting agency and was adviced to fill identity theft for deletion. I am Requesting Transunion to mark listed Inquiries as fraudulent and remove them from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act American Credit Acceptance has violated my rights. 
15 USC 1681 Section 602 ( A ) States I have a right to privacy. 
15 USC 1681 Section 604 ( A ) Section 2 : Also states A consumer reporting agency can not furnish a account without my written instructions. 
15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 
15 US CODE 1681 A TITLED DEFINITIONS RULES OF CONSTRUCTION PARAGRAPH 2 SUB PARAGRAPH A Subsection I States that A consumer report does not include information solely as to transactions in or experiences between the consumer and person making a report.
Product: Debt collection

On XX/XX/18 received letters in mail stating that bank account will be frozen and any property worth anything will be taken. This collection agency and court are demanding {$810.00} to be paid to court officer. At no place in letters state what exactly the original fee they claim I owe is for. XXXX is responsible for this along with XXXXXXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report related to the payment history of my account with XXXX XXXX, Account Number unknown. This dispute specifically pertains to the creditors failure to credit payments promptly in accordance with 15 USC 1666b, which requires that payments be credited to an account on the date they are received. 

I have reason to believe that XXXX XXXX  did not credit my payments promptly, resulting in incorrect late payment reports. This has adversely affected my credit score and overall report. As per the Truth in Lending Act, these inaccurate reports of late payments are unlawful if the delay in crediting was caused by the creditor and not by any fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fallen victim to identity theft due to the XX/XX/2017 XX/XX/XXXX breach. This has taken a toll on my XXXX heath and it has caused me a great deal of frustration and anxiety.
Product: Checking or savings account

I received the letter from Citibank that told me my Citi account will automatically close within 60 days on XX/XX/XXXX. In the letter, it didnt provide any information of why they are closing the account, and they said my funds will be sent to me once the account is closed. The letter also says if I want to get the money sooner than expected, I should visit the local branch or call them. 

Since I have XXXX dollars in my account, and I really need the money to pay my rent, I decided to get my funds quicker. 

However, I visited the branch on XX/XX/XXXX, but the agent told me they could do nothing on the closing accounts and asked me to call the number provided. So on XX/XX/XXXX, I called the Citi number, but they said they could do nothing either and I have to wait for 30 to 60 days before getting my funds back. 

I dont understand why it took them so long to close my accounts and hold my money. Im under emergent situations and need the money to pay for my rents.
Product: Debt collection

OM MULTIPLE OCCASIONS I WAS CONTACTED BY CBA IN REGARDS TO DEBT COLLECTION. I RECENTLY PAID OFF SEVERAL ACCOUNTS I HAD LISTED WITH THIS CREDITOR AND NEVER HAD A PROBLEM WITH CUSTOMER SERVICE UNTIL XXXX OF THIS YEAR. THE YOUNG LADY THAT GOT ASSIGNED TO MY ACCOUNTS WAS VERY RUDE TO ME EVERY TIME SHE CALLED MY CELL PHONE. i EXPLAINED THE PRONUNCIATION OF MY LAST NAME AT LEAST 3 TIMES IN ONE CALL AND THE YOUNG LADY CONTINUED TO PRONOUNCE MY NAME WRONG EVERT TIME SHE SAID IT AS IF SHE WAS MOCKING ME FOR CORRECTING HER PRONUNCIATION. THE YOUNG LADY CALLED ME A XXXX BEFORE HANGING UP IN MY FACE. I THEN CALLED BACK TO THE CREDITOR AND ASKED TO SPEAK TO HER MANAGER AND HAD TO WAIT ON HOLD 30 MINUTES FOR THEM TO TELL ME THAT SHE WOULD GIVE ME A CALL BACK LATER THAT SHE WAS BUSY. LATER THAT DAY THE MANAGER RETURNED MY CALL AND WAS INITIALLY RUDE TO ME ON THE CALL AS WELL. WHEN I EXPLAINED THE SITUATION TO HER ABOUT THE LANGUAGE USED AND THE TERRIBLE CUSTOMER SERVICE USED DURING THE PRIOR CALL WITH HER ASSOCIATE SHE BEGAN TO CALM DOWN SOMEWHAT AND LISTEN TO WHAT I HAD TO SAY. I EXPLAINED TO THE MANAGER THAT I WAS PREPARED TO MAKE A PAYMENT ON ONE OF MY ACCOUNTS AND SHE TOOK THE PAYMENT AND ALL WAS WELL AND SHE APOLOGIZED FOR HER ASSOCIATED BEHAVIOR. I ASKED IF MY ACCOUNTS COULD BE MOVED TO A DIFFERENT ASSOCIATE AND THE MANAGER INFORMED ME THAT SHE COULDNT DO THAT. MY ACCOUNTS HAD TO REMAIN WITH THIS RUDE LADY. SO, A FEW DAYS LATER THE ASSOCIATE OVER MY ACCOUNTS CALLS MY CELL PHONE AGAIN AND PURPOSELY MISPRONOUNCES MY LAST NAME WITH A CHUCKLE BEHIND IT AS IF SHE WAS MOCKING ME AND MY LAST NAME YET AGAIN. I STILL HAVE ACCOUNTS WITH THIS CREDITOR AND WANT TO RESOLVE THEM BUT I CANT EVEN GET THROUGH A PHONE CALL WITH THIS PERSON WITHOUT BEING MOCKED AND MY LAST NAME BEING MADE FUN OF. ALSO AFTER MY PHONE CONFRONTATION WITH THIS LADY DAYS LATER THERE WERE NEW ACCOUNTS POSTED TO MY CREDIT REPORT THAT HAD PREVIOUSLY BEEN CLOSED AND THEY WERE RE-REPORTED UNDER DIFFERENT DATES AND XXXX OF THE ACCOUNTS WERE DUPLICATED TWICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this collection and would like it removed from my credit report as it is reflecting as a negative item.
Product: Checking or savings account

I opened a bank account with BMO on XX/XX/XXXX and while opening the account, I got a promotional offer from the bank that 1 ) if I deposit {$7500.00}, then the bank will give {$500.00} and 2 ) a {$100.00} XXXX or XXXX gift card when I complete talking to a banker about my financial goals. 
However, the bank hasnt sent me any information related to the gift card and despite requesting the same, the bank blatantly shuns me and doesnt send me the gift card even though they acknowledge that I did complete the requirements.
Product: Money transfer, virtual currency, or money service

I deposited a check in the amount of XXXX via Bluebird mobile app today, XXXX. I chose money in ten days as a processing time instead of money in minutes for a fee. The transaction ID is XXXX. The available date of funds shows as XX/XX/XXXX, which is months away, not ten days. I brought this to the attention of a rep with Bluebird, he told me to disregard it and I can cancel it if I want to since it is in pending status, which I do not believe is an option. There is no such cancel option showing on web-site or mobile app. From past experience, Bluebird reps have given me varying different reasons for technical errors such as this, all have turned out to be bogus. Case in point, I have attempted to add a debit card which I had on my account prior, except it is a new card number. I received an error message which stated service unavailable, I believe. I called customer service numerous times, was given different reasons for error and they all turned out to be incorrect. I request Bluebird look into this error and correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account several times with Equifax. It is still not fixed. The account with XXXX on my credit report is PAID. However, the account payment status is not reporting as PAID. The account payment status is still reporting as derogatory. The comments states paid, but this is not sufficient. The account payment status needs to be updated. The company, XXXX, has advised me that they reported to Equifax that the status is paid. All other credit bureaus are reporting the status as paid. Equifax is the only credit bureau not reporting the status correctly.
Product: Checking or savings account

Someone obtained my social security number and was able to open an online checking account at Bank of America, I have a credit freeze on my accounts. This person did not have my current address or phone, but BoA opened an account without this verification. If they had checked for any information, they would have seen that the person didn't have correct info and I had the credit freeze. 

BOA has caused me great harm by not doing any checking and opening the account without doing any research or verification. 

I was able to close the account and have the information to file a police report with my local police. 
I have filed a fraud alert with the 3 credit agencies.
Product: Debt collection

This company ( Portfolio Recovery Associates ) has been sending numerous letters about this debt that I have never owned. I have sent debt validation letters to this company, however they reply with a bill. I sent a certified letter XX/XX/XXXX The responded XX/XX/XXXXwith accounts and the amount owed. The company is claiming I have 3 accounts with them of the amounts {$680.00}, {$490.00}, and {$1900.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, PORTFOLIO, PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX  ) and PORTFOLIO RC ( Original Creditor : XXXXXXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I got notified of a negative mark on my credit report, I have never received any information on this. Never a bill never phone call no contact from them at all. They never tried to contact me or call me or send me any mail on this I have no record for this debt being due.
Product: Prepaid card

I have been trying for 2 weeks to get my card activated and no one will answer the phone I hold every time I call about 30 minutes to 3hours on hold
Product: Checking or savings account

I placed a call to PNC on XX/XX/year> concerning my checking account which was negative XXXX dollars. After speaking to a representative, I asked for a supervisor due to the confusing nature of the explanation I was given. I restated my issue which is in summery, Why did I have an overdraft of XXXX ( and change ) dollars taken out of my account on XX/XX/XXXX, when there was only XXXX on the account? Then, on XX/XX/year>, another overdraft occurred in the amount of XXXX which was swiftly reversed on XX/XX/year>. 

I proceeded to talk to a supervisor about these amounts and inquired why XXXX of these were reversed and not the other. She proceeded ( see audio logs attached ) to inform me that XXXX transfers are pushed through automatically ( if I understood her correctly ) and the bank normally covers them. Then, I asked why would the bank push a transaction through if there wasnt funding available for in within the account. She stated that due to the type of account I had, there was an overdraft function that was enabled automatically. I then proceeded to explain that Ive asked for this function to be turned off on my account multiple times. 

She proceeded to asked me the exact date I asked for this and I couldnt produce XXXX due to the length in time its been since then and I didnt make note due to the assurances that this function would be turned off on my account. After much debate about the charges and asking clarifying questions, I asked her what was the difference between this transaction and another transaction made on XX/XX/year> where I was overdrafted XXXX ( with XXXX within the account ) and the next day the transaction was reversed. 

These XXXX transactions are very similar ( XXXX & XXXX XXXX ) if not the same ( see images attached ) while XXXX of the transactions were reversed, the other was not. I asked the supervisor, If I only had XXXX dollar in the account would I still be over-drafted since my account is positive? ) She replied in the affirmative and thats when I brought up the fact that I had a positive balance on XX/XX/XXXX and on the XXXX of XXXX, the transaction was reversed. She then started to apologize and state she misspoke but this is unacceptable in my eyes. She also couldnt explain to me what the difference between the transactions were and switched to saying If your balance is over {$5.00}, well cover the cost and overdraft the account. Which clearly doesnt make sense after I asked my clarifying question about if XXXX {$1.00} positive etc etc. 

I believe my Pnc bank is fraudulently allowing certain overdrafts so they can charge me overdraft fees on amounts over XXXX dollars, EVEN IF Ive asked multiple times for this function to be taken off my account ( XXXX ). When questioned on why this is allowed and what the difference between these transactions were, I was stone walled and given the run-around. 

Ive attached the audio recording of the call below.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Experian were notified of accounts that were inaccurate and a request of validity was mailed to them twice XX/XX/2023 & XX/XX/2023. As of today my credit report is still the same and these bureaus have failed to respond and investigate my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX.
Product: Credit card

This complaint is for my Bank of America credit card. 

BANKF OF AMERICA IS CHARGING INTEREST ON CHARGES THAT ARE NOT IN ARREARS! 

On XXXX/XXXX/2015 my amount due was XXXX. I pay my cards in full each month and did n't have any charges in XXXX 2015 so my account had XXXX balance and no interest charges for all of 2015. 
On XXXX/XXXX/2015 my BofA online account showed a payment of XXXX. XXXX cents short. The error was mine. I mistakenly typed in a XXXX instead of a XXXX. 
The next statement, on XXXX/XXXX/2015 showed an interest charge of XXXX. 
I called BofA XXXX on XXXX/XXXX/2015 and spoke with XXXX ( not sure of spelling ). 
She informed me that interest is charged in arrears. I asked her how they could charge me XXXX dollars for being XXXX cents overdue. 
She then informed me that I was being charged interest on approximately XXXX in charges made up to the point of payment. ( Those charges are legitimate and I am not disputing them ). 

Conclusion : with no prior interest charges and being past due from the previous billing cycle by XXXX cents, Bank of America charged me interest on charges that WERE NOT PAST DUE. 
XXXX did reverse the incorrect interest charges but only due to my vigilance. 
I can only think that many people do n't know this especially if they carry a balance. 

I hope you pursue this. It is wrong.
Product: Debt collection

I have contacted Convergent Outsourcing on several occasions, asking for the alleged account from XXXX XXXX for {$860.00} to be properly validated. I was sent billing statements on XX/XX/21 which does not show that I opened this account. My last validation request was sent to Convergent Outsourcing on XX/XX/21 and has not been responded to at all within the 30 days given. This alleged account has not been validated and its now against the law for this account to remain on my credit.
Product: Credit card

I was notified of a {$3000.00} Capital One credit card charge when a credit check was completed during the home loan process. When I noticed the charge on my credit report, I immediately called Capital One and was told there was no account in my name. When it was later stated that I had a {$3000.00} charge, I called a second time ( on or about XX/XX/year> ) and at that time was told that they see an account with a {$3000.00} charge, but that it would be dismissed as key identity information did not match. The first Capital One investigation was opened at this time. They stated that I would receive an email with the findings shortly. However, the email on file didnt match mine and they wouldnt tell me what email was on file or email my correct email as the account was closed. On XX/XX/year>, I received a letter dated XX/XX/year>, that indicated that I was responsible for this charge. I called Capitol One again on XX/XX/year> and notified them that this finding was incorrect and provided several reasons for this. They stated that they would reopen the investigation at this time. I completed a police report and notified all three credit agencies immediately. 
I called Capital One back on XX/XX/XXXX and notified them of this and provided the police report number. On XX/XX/XXXX, I received a letter in the mail dated XXXX XXXX indicating that the investigation found that I was still responsible for this fraudulent account. I filed a report with the Customer Financial Protection Bureau yesterday. Capital One refuses to provide any information about the original credit card application and will not acknowledge my evidence as provided. They have been very uncooperative and dismissive of my inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute request to the company XXXX XXXX. They are reporting as a charged off debt. However, the company responded to my request to verify the ownership of this account by sending me a print out of how they are reporting the account to XXXX. The account is also reporting on my XXXX and Equifax reports. This is not permissable under the FCRA as an accurate way to verify an account to a consumer. They must provide a signature or contract of service with this company and they have failed to do both on numerous occasions of requests to credit bureaus not properly verifying information as well. Please delete this account from all three credit bureaus for inaccuracy and estoppel of silence by not rendering contract of services.
Product: Debt collection

PORTFOLIO RC is claiming that I owe them {$1800.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX XXXX XXXX {$340.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$690.00} XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX Balance : -y : Bankruptcy : XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$650.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft 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 XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts where opened as a result of identity theft. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX card. 


I have contacted the creditors and they have closed said accounts. But they have not removed said accounts from my credit reports. 

See attached FTC affidavit.