23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Account in question : National Credit Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report. 

One here has not been given a chance to 3dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Checking or savings account

On XX/XX/XXXX I wrote a check for {$580.00} on my biz account # XXXX to my family acct # XXXX. My wife and I both write checks on both accounts. When she deposited my check in our family acct, my check was declared fraudulent. Our family account was frozen and has remained frozen to this day, XX/XX/XXXX. 
3-4 days later, when I tried to buy groceries with our debit card, and it was/and is declined. We had sizable balances in both accounts. Why? It was a mystery. I visited our branch. They couldnt explain it. It took two visits to discover that the check Id written wasnt on my acct. Here is what we found. 
The new checkbook, printed by XXXX XXXX, which is the company the bank recommends, has misprinted the checks. ALL have my name and biz name, but some of them properly have my account at the bottom right ; and others have someone elses account number # XXXX, not mine. Thus, the fraudulent check I wrote was written from my checkbook, on someone elses account. Ive visited the branch every other day, presented the checkbook, explained the problem, answered all their questions, with no relief. Companies are auto-withdrawing, and being declined. We had one deposit for {$1700.00}, and another for $ XXXX. The account received our deposits, but wont allow us access. Biznesses are charging us late fees. Our insurance company threatens to cancel us. We can not get access for our church tithes, groceries, bills, even family XXXX gifts. The branch employees are courteous, but have no authority. Since XX/XX/XXXX weve been told investigation will require 2-4 weeks. We are being treated like criminals. No investigation is necessary. Theyve seen the misprinted checkbook. Ive offered to let them freeze the amount of the check. The only thing theyve done is replaced the checkbook. However, they wont honor the checks I would write on it.
Product: Debt collection

I am a federally protected consumer as defined by 15 USC 1692a ( 3 ). PORTFOLIO RECOVERY ASSOCIATES , LLC ( hereinafter PRA ) is a debt collector as defined by 15 USC 1692a ( 6 ). I DENY BEING LEGALLY OBLIGATED TO PAY ANY AND ALL ALLEGED DEBT TO PRA AND I DO NOT CONSENT TO CONTRACT. PRA communicated with me in an attempt to collect an alleged via USPS without my consent. On XX/XX/2022 I received this communication dated XX/XX/2022 labeled EXHIBIT A. I responded to the harassing communication with a PROOF OF MAILING, DEBT VALIDATION NOTICE, CEASE AND DESIST NOTICE, BILL OF PARTICULARS, and EXHIBIT A. All of which were certified mailed with a green receipt on XX/XX/2022 and received on XX/XX/2022. The green receipts have not been returned to me yet but I have proof of delivery via certified tracking # : XXXX XXXX XXXX XXXX XXXX. PRA had 5 days from receipt to proof for me to see that validates their alleged claim in which they failed to do so. I am in receipt of a letter on XX/XX/2022 dated XX/XX/2022 which is 11 days past deadline. The communication labeled as EXHIBIT B did not validate this alleged debt as it did not provide proof requested thus continuing to harass me about an alleged debt not owed and failing to comply with cease and desist. The communication failed to reference deletion of my information and inclusion of a check in US funds for the amount of {$5000.00} for violations of 15 USC 1692k.

As a debt collector, PRA must comply with the following provisions and failed to do so and is in violation of 15 USC 1692k : 1. 15 USC 1692c ( a ) - PRA communicated with me without me giving direct consent to do so 2. 15 USC 1692e ( 2 ) ( A )- PRA uses false character amounts as I am unable to pay on a positive balance.

3. 15 USC 1692j ( a ) - PRA furnished a deceptive form via USPS to deceive me into believing I owed an alleged debt 4. 15 USC 1692e ( 10 ) - PRA used a deceptive letter in an attempt to collect an alleged debt 5. 15 USC 1692e ( 8 ) - PRA threatened to report information about an alleged debt known to be false to the consumer reporting agencies, credit bureaus as PRA refers to them which is also false and misleading.

PRA continues to violate 15 USC 1692k by failing to comply with the following provisions : 1. 15 USC 1692c ( c ) - letter received is harassing and breaches cease desist by failing to validate this alleged debt nor grant remedy requested 2. 15 USC 1692e ( 10 ) - ( a ) PRA refers to themselves as a creditor which is false and misleading because I have never done business with PRA. ( b ) PRA admits to being in possession of a file with my personal information in which they do not have my consent.

PRA is in violation of 15 USC 1692k for individual actions and causing stress and mental anguish resulting in medication.

As a federally protected consumer should I have to invoke my consumer rights and hold PRA civilly liable for violations of 15 USC 1692k, the UNITED STATES DISTRICT FOR THE XXXX XXXX COURT OF GEORGIA XXXX DIVISION is a competent court that holds jurisdiction given that these are federal laws and is correct venue because my place of abode is in XXXX XXXX in XXXX, GA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Before the state of Michigan was closed due to the pandemic caused by COVID-19, every financial obligation I had was paid on time as my credit records reflect. However, during the pandemic, no one was working and afterwards because of health complications ( XXXX, XXXX, XXXX XXXX ), my physician ordered me to refrain from working due to concerns about contagion as I am XXXX and my profession is XXXX. I paid all debts as expected during the pandemic except unsecured credit cards. I sent letters to all creditors in this group explaining my situation and requesting forbearance or settlement of the debt at a lower amount. I settled 4 debts. Two refused a settlement and sent my record to collections. My current issue that is unresolved : Despite paying my debt obligations on time every month-religiously, my credit scores continue to fluctuate. One day the amount is XXXX, the next day, it drops to XXXX or something like this every day. I am monitoring it because I will be moving and will need an accurate credit score reflecting my history of paying debts. I have tried credit repair bureaus and have sent numerous documents to all three credit-reporting bureaus that included-in the case of XXXX XXXX credit card-proof that we settled the account, but somehow incorrect or punitive information is reported about me and threatens my ability to lease or purchase a home.
Product: Debt collection

I requested for XXXX XXXX XXXX to validate NOT verify a debt that they are attempting to collect from me. They provided me with billing statements from another company which does not validate that I am obligated to pay anything to the above company. I do not have a signed contract between myself and XXXX XXXX XXXX and I have not given the above company the consent to contact me in regards to my account. They have reported incorrect delinquent information to the credit bureaus. The debt owned to this company is not valid and therefore I am requesting for this debt to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX XXXX.. Has violated my rights. 


1st. 15 U.S.C 1681 section 602 A. State that I have the right to privacy.

2nd. 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 permission without my written instruction 3rd. They have performed and investigation and state that the information in the report is accurate and it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to TransUnion of unauthorize inquiries on my credit report. Which I never authorize or sign a authorization form giving permission to pull a hard inquiry. I have sent a formal letter requesting TransUnion to investigate and provide proof of signature and has failed to do so. The following creditors thats I have requesting to re-investigating are as followed : - XXXX. XX/XX/2018 - XXXX. XX/XX/2018 - XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX XXXX XXXX. XX/XX/2018 - XXXX/XXXX. XX/XX/2018 - XXXX XXXX. XX/XX/2018 XX/XX/2018
Product: Credit reporting

The website XXXX is broken. This is a well known problem and a total scandal. You should do something. This is a disgrace.
Product: Mortgage

My HELOC was sold. I was told my payments would be about {$500.00} a month for 10 years. Now its {$750.00}!! I can not get a hold of them to discuss it. Their phone number doesnt work!! 
{$100000.00}!!! Im very afraid Ive been scammed and my home is on the line
Product: Credit card

I opened a Chase branded XXXX XXXX Rewards card in 2014. When I signed up for the card I did so due to the current marketing offer that was sent to me for a XXXX point XXXX bonus after the required spend in the XXXX 3 months. I hit the required spend, but I was not given the correct promotional bonus. I called in a couple of months later to notify them and was told that I should see the points show up in the next couple of months. It has now been a year since I first signed up for the card and I have paid my second year 's fee on the card of {$390.00}, but I still have not received my XXXX XXXX point bonus offer.
Product: Checking or savings account

I went to open a bank account with pnc, but I was denied. When I requested the reason why I was denied by the teller and told it was because I had an outstanding balance with pnc. pnc never notified me that they were going to report this information to any consumer reporting agency and the information they reported is not completely accurate per the FCRA. I am a single mother who needs my bank account to receive funds to take care of my family. The denial is hindering me from caring for my family. Failure to remove this info will result in me seeking legal remedy.
Product: Credit reporting or other personal consumer reports

Bank of America investigation by CFPB that closed XXXX, XXXX for an alleged debt owed to Bank of America first reported in XXXX was re-aged on my credit reports by Bank of America. This is not allowed under the FCRA 623 ( 5 ) ( A ). Furthermore, Bank of America continues to report this alleged debt that is not owed by me and Bank of America has not been able to prove that I owe this debt. In fact, Bank of America owes me {>= $1,000,000} that they refuse to return to me. This is under investigation with the FBI and state law enforcement and the FTC. Please inform Bank of America that they are not permitted to report debts not owed to them nor are they allowed to re-age alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS Transunion # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC XXXX  XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2018, I withdrew XXXX BTC from XXXX and transferred this amount to GDAX- owned by Coinbase . I still have not received my BTC. There is NO response from support, even though I have sent 3 emails asking for help. I have transferred coins and fiat for many months between exchanges around the world. The longest time it has taken has been 4 hours. GDAX states it will take 24 hours- it has now taken almost 5 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 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: Checking or savings account

I am concerned about a potential security breach at Key Bank or XXXX. My debit card, issued by Key Bank in partnership with XXXX, has been digitally stolen three times in the past six months. Each time this occurs, the events are always the same ; the card is charged for a transaction on XXXX XXXX in California. The physical debit card always remains in my possession. I have never had a XXXX XXXX account. 
The first occurrence was on XX/XX/2022, wherein my card was charged by XXXX XXXX via XXXX XXXX for a total of {$51.00}. I called Key Bank and was issued a new card as well as provisional credit while the dispute was investigated. 
On XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction in the amount of {$69.00}. I called Key Bank- this time they " hard closed '' the card and instructed me to delete the card number from any e-commerce websites where it may have been saved, which I did. Key Bank again extended provisional credit for the disputed transaction. 
Less than a month later, on XX/XX/2022, my card was again charged in an unauthorized XXXX XXXX transaction, this time for {$45.00}. I called Key Bank I was quickly transferred to a different department - the woman I spoke to this time seemed slightly more abreast of the situation and implied that this was a problem of which Key Bank was aware, and that Key Bank 's investigative departments were working to find the root of the breach. I asked how someone could possibly have access to my new card so soon after it had been issued ; the Key Bank representative suggested there may be a breach with XXXX or XXXX XXXX ( again, I have never had a XXXX XXXX account. ) The Key Bank representative again " hard closed '' my card and issued provisional credit in the disputed amount. 
I have just received my new debit card and I am very concerned that this will occur again. This is my only card.
Product: Money transfer, virtual currency, or money service

Gemini trust company the cryptocurrency exchange froze my account with ~ {$3100.00} in crypto currency funds. An unauthorized ACH withdrawal from my bank which I conveyed to my bank last month was the reason they stated for my account being frozen. Despite my multiple attempts to contact and email I only get canned automatic responses and no real help. I am at loss and cant afford to lose this sum of money. I have ready similar complaints and they can remain inaccessible for months and I am in desperate need of some real help. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  account name XXXX XXXX XXXXXXXX, account number 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.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX BALANCED OPEN {$0.00} late payment of 30 days in XX/XX/year> XXXX XXXX XXXX XXXX BALANCED {$0.00} late payment of 30 days in XXXX and XXXX of XXXX
Product: Bank account or service

Regions has processed a transaction instead of rejecting it as I had refused the overdraft protection on my business checking account. I was then charged an exorbitant {$36.00} overdraft fee. Upon talking to the XXXX XXXX, LA branch manager on XXXX XXXX, 2016, I was told that after a certain period of time, accounts are automatically enrolled in the overdraft protection, even if the account holder initially refused the service. Regions and the branch manager refused to remove the {$36.00} overdraft fee.,
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 following items : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : $ XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

PNC Bank has decided not to do business with me. This is fine. They are a XXXX bank with XXXX people doing XXXX things. PNC is a horrible bank and always has been in my experience. I would hope we could just all move on and go our separate ways. 

While PNC has force closed my heritage demand deposit and credit accounts that were in good standing for over XXXX  years, PNC continues to retain my mortgage note. I am required to send monthly payments to this horrible institution. Instead of acting like a grown up and selling my mortgage to another processing company PNC has made the decision to hold my loan. 

It is no surprise to me that PNC would like to make money where they can knowing that I am a good credit risk ; never the less, the " bank '' ( if you can call this XXXX bag company a bank ) has blocked all my telephone numbers from their systems. That means that PNC is refusing to take my calls. They demand I pay them but refuse to actually help if there is an issue. Believe me, there have been issues. I have all calls with these XXXX  recorded. The have XXXX up since day XXXX of our relationship.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and found several billing discrepancies, particularly with late payments that dont align with my usual payment pattern.
Product: Debt collection

ADR has called me a few times and could not give me ani info in regards to this. All they kept saying was I knew it was and i should pay my bills and he was trying to help me out not get sued. He has also started calling my friends to frighten them as well
Product: Credit reporting, credit repair services, or other personal consumer reports

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 Addresses XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$3100.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$3100.00} Date XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$170.00} written off. {$170.00} past due as of XX/XX/2020. 
Account TypeCredit card Balance {$170.00} Date Opened XXXX XXXX potentially negative icon Potentially Negative StatusAccount charged off. {$250.00} written off. {$250.00} past due as of XX/XX/2020. 
Account TypeUnsecured Balance {$250.00} Date XXXX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusRepossession/Never late. {$16000.00} past due as of XX/XX/2020. 
Account TypeAuto Loan Balance {$16000.00} Date XXXX Dispute XXXX XXXX  XXXX XXXX XXXX, TX XXXX SINGLE FAMILY
Product: Credit reporting, credit repair services, or other personal consumer reports

A fraudulent loan showed up on my credit report from XXXX XXXX. I contacted XXXX XXXX and they sent me a packet to complete and send back. I sent the packet by certified mail on XX/XX/XXXX and XXXX XXXX did not pick it up so I sent the packet again by both certified mail and priority mail on XX/XX/XXXX. XXXX XXXX signed for the first certified package on XX/XX/XXXX and the second Package on XX/XX/XXXX.  The tracking numbers are XXXX and XXXX. I also disputed the account with Experian. Experian notified me they had investigated and found that I had not contacted the company and they were n't going to remove it. I have attached the letter from XXXX XXXX dated XX/XX/XXXX and all the tracking documents. I called XXXX XXXX on XX/XX/XXXX and XXXX told me they had not received any of the packets I sent even though they signed for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts on my Equifax credit report that do not belong to me. I have previously disputed these accounts directly with Equifax however they were not removed. I was told by Equifax to contact the creditor directly to continue my dispute. I contacted both creditors who have agreed to remove the accounts from my credit report as they were not opened by me. The first account is ARMED FORCES BANK opened on XX/XX/XXXX and the second account is XXXX XXXX XXXX opened on XX/XX/XXXX. This new information is required to reopen the dispute into these two accounts. The new information is that both creditors have agreed to remove the accounts from my credit file.
Product: Credit reporting or other personal consumer reports

XX/XX/2020 with an amount disclosed of {$3800.00} was shown on my credit report which I did not authorize and nor have I ever leased with this company. Ive reached out the the company and disputed the account is currently still open and has not been removed. Ive talked to the apartment and they provided a letter that states they have no record of me staying there.