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

On XX/XX/XXXX, I opened a PNC Virtual Wallet Checking Pro account via a special link that was attached to a promotional offer. This promotional offer claimed that if I opened the above stated account, I would receive a promotional bonus of {$200.00} upon completing the written requirements. I also was emailed a separate offer of {$15.00} on XX/XX/XXXX, which required me to complete two bill payments from my Virtual Wallet Checking Pro. However, despite meeting all of the written requirements of the advertised offers, I have not yet received either promotional bonus. On XX/XX/XXXX, I inquired with PNC customer support about the missing promotional credits, but was told I would need to wait longer to receive the credits. 

The requirements of the {$200.00} advertised offer stated : the new Spend account [ Virtual Wallet Checking Pro ] must be opened online via the application link [ see attached for screenshot of application link page ] ... between XX/XX/XXXX to XX/XX/XXXX, and a qualifying Direct Deposit ( s ) must be received within the first 60 days ... [ and the reward ] will be credited to the eligible account within 60-90 days after all conditions have been met. The total amount of all qualifying Direct Deposits credited to your Spend account must be at least {$2000.00} for Virtual Wallet Checking Pro. 

The requirements of the {$15.00} advertised offer stated : Users must use PNC Bank Online Bill Pay to submit 2 ( two ) bill payments by the end of the next calendar month, based on the date of this email, in order to qualify for the {$15.00} credit. If the qualifying criteria is met, a {$15.00} credit will be applied to the primary deposit account used for PNC Bank Online Bill Pay within ten weeks after completing the required bill payments. 

As evidenced in my attached documentation, I met the requirements of each offer as stated in the above two paragraphs. For the {$200.00} offer, I opened the account online via the application link and received multiple Direct Deposits to my Virtual Wallet Checking Pro Spend account, each totaling at least {$2000.00}, within the first 60 days after the account opening date. It is now well past 90 days since I met the requirements of this offer, but I havent yet received the {$200.00} credit. 

Additionally, while I completed the terms of the {$15.00} bill pay credit, by submitting two bill payments before the end of the following calendar month after receiving the offer, I have not yet received the {$15.00} credit despite it being past ten weeks since I completed the offer requirements.
Product: Bank account or service

I put in a " Stop Payment '' request on an electronic withdrawel from a payday loan company ... and the teller said " sure no problem, you just have to pay the XXXX fee '' I asked her " are you sure ''? do I need to submit a letter? and she said No! I made this request 3 weeks before my sceduled withdrawel, I gave her the name of the company and the exact amount and the date the money was supposed to come out. As of today the money has been taken!! I called U.S Bank this morning, and was told that stopping a payment is NOT a guarantee. I WAS NOT TOLD THIS when I walked into the bank 3 weeks ago.
Product: Credit reporting or other personal consumer reports

RE : XXXX Block Request I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that XXXXXXXX 

This is fraud as a result of XXXX XXXX 

XXXX Accounts : 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 Inquires : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX Factual Data Consumer Assistance XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Factual Data Consumer Assistance XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.15 usc 1681section 602 states I have the right to privacy.15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions..15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed some accounts I do not recognize and have not authorized. I believe I have been a victim of identity theft. I am demanding these these accounts be remove immediately. This fraudulent reporting is very adverse to my interest. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX 5.  XXXX XXXX XXXX 28 USC 1746 Unsworn declarations under penalty of perjury
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I called the company as they had charged me 4 different amounts for two loans that were paid off that date. However, they refused to reimburse these two extra charges. As a result. I called my bank to dispute the two extra charges this company was charging me. But, then the lending company argued that I had not made the payments and started charging me extra fees and interests for these loans I had already paid off. To this date, they are charging me for these extra fees that I have already paid.
Product: Credit reporting or other personal consumer reports

I have raised multiple disputes with XXXX, Equifax, and XXXX regarding inaccurate information on my credit report, yet the errors remain unresolved. Despite my repeated efforts to have the inaccuracies corrected, no meaningful action has been taken.

1. Failure to Investigate ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to investigate the disputed information within the 30-day period required by law, preventing timely resolution of the issues.

2. Reporting of Inaccurate Information ( 15 USC 1681e ( b ) ) : The information on my credit report has not been verified for accuracy, leading to the continued reporting of incorrect details that negatively affect my creditworthiness.

3. Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus continue to report outdated information that should have been removed after the legally required period, violating the regulations on how long certain data can remain on a credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX XXXX I am writing to formally dispute inaccurate information on my credit report, as i have identified multiple errors that violate my consumer rights under federal law. I request an immediate investigation and removal of these inaccuracies per the following legal provisions. 

~ 18 U.S. code 1028 prohibits fraud and misuse of identification, including inaccuracies or misrepresented data on my credit report ~ 15 U.S. code 1681b Limits permissible purpose for reporting and accessing my credit file, which may have been violated if accounts were inaccurately reported or accessed. 

~ 15 U.S. code 6802 Requires financial institutions to provide privacy protections and obtain consent before sharing my personal data.

Any unauthorized sharing or incorrect reporting must be rectified.

~ 15 U.S. code 1692g Mandates that debt collectors provide proper validation of debts, If any account listed in my report were not validated properly, they must be removed. 

I request the following inaccurate items be removed from my credit report immediately 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 In accordance with the Fair Credit Reporting Act ( FCRA ), you are required to conduct a proper investigation and remove any unverifiable, inaccurate, or outdated information from my credit report. If these accounts can not be verified they must be deleted promptly. 


Sincerly, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft Affidavit to XXXX XXXX Equifax and XXXX this Fraudulent acct appearing on my XXXX Consumer Credit Report which I do not recognize as reported and is a Result of Identity theft and Fraud this is Fraudulent account opened at XXXX XXXX date XX/XX/year> acct XXXX this acct resulted in a Charge Off on my Credit Report I demand that the Fraudulent Item b removed from each of my Consumer Credit Reports Pursuant to my Rights within the FCRA and FDCPA
Product: Debt collection

In the month ofXX/XX/XXXX, I contacted Discover Bank, in reference to an old debt I had with them aging back to XX/XX/XXXX. This debt occurred during the time my now ex-husband and I had just buried a child, he lost his well paying job, and it was a decision to pay either the light bill or my credit card bill from one income. However, in XX/XX/XXXXwhile speaking to an agent, I advised them I wished to pay my XXXX dollar debt. In doing so, I was transferred to a supervisor in the collections department. After speaking to the gentleman, he advised me that I could no longer pay the debt because it was charged off to a 0 balance and I was set to receive a 10-99C form in the mail, in which I did by the month of XX/XX/XXXX. After receiving that information, I made my loan officer aware of the situation. Months went by and my credit began to improve, but through another XXXX XXXX credit check in the month of XX/XX/XXXX, my loan officer noticed where I needed to pay Discover in order to get a credit rescore, to add a possible XXXX points. It was then that I reminded her, that paying discover could not happen due to the first failed attempt, and it having to be claimed as income, due to the 10-99 C form. She then advised me to contact them, let them know what's going on, and to request a letter from them stating the account was closed and charged off, in which Discover agreed to do, but the letter was never received via fax or through mail, as stated and agreed it would be. My loan officer then decided it was a good idea to call Discover, because they are reporting an unpaid balance to the credit bureaus, showing as if I could pay to clear it up. So on the evening of XX/XX/XXXX, my loan officer and I got on a conference call with Discover, attempting to resolve the issue. After being transferred through three different people, the third and final person, tried to explain the account would not show a zero balance as it wasn't paid off, however it was wrote off. He also began to state, that I could send a check voluntarily to show the zero balance, and to still file the 10-99C form because it wouldn't be retracted upon payment. My concern is simple, when attempting to pay, understanding it wouldn't be totally removed from my credit history, just the zero balance, I was advised of this write off and 10-99C form. I am now able to send in a " voluntary payment '' for a charged off account? How is that possible? Discover wants to not only still get their money, but are willing to not up front take the money, but " voluntarily '' take it, while still claiming the lost, and holding my points as they report this unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial has reported 3 late payments on my credit report. I have never made a late payment with this account and need this information updated on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. 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/2022, 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 : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX  ( XXXX Creditor : XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Product: Mortgage

XXXX XXXX Executive Vice President Apex Mortgage LLC NMLS XXXX I was the listing agent on a transaction where XXXX was acting as a loan officer. When confronted that he wasn't a licensed LO he said he's an attorney and doesn't have to be. Also, he is not a licensed atty in Maryland. Furthermore, he acted extremely unethically. When I asked why he didn't need an extension to the contract of sale he told me he just uses a blank one. There were 2 months worth of delays. He told me he was reimbursing the buyers agent some of his commission that the buyers agent agreed to give up. Additionally, the buyer in the transaction told me he wired XXXX $ to the mortgage company. When I told the buyer that the Sellers cancelled the contract 2 weeks ago the buyer didn't know and the XXXX, XXXX, told the buyer he would return his money and offered him more money to not report him because he had XXXX. This guy is a predator. The story goes on and on.
Product: Bank account or service

PENTAGON FCU XXXX ACCOUNT NUMBER OPEN DATE XX/XX/XXXX BALANCE DATE XX/XX/XXXX ACCOUNT STATUS XXXX PAST DUE XXXX COMMENT TRANSFERRED I AM DEMANDING VALIDATION FOR THE ABOVE REFERENCE NUMBER PLEASE PROVIDE A FULL ACCOUNT LEDGER AND A CHAIN OF TITLE FOR THE THIS DEBT THAT IS BEING REPORTED ON MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

ONEMAIN is reporting incorrect information to my credit report. I have automatic payment setup on this account and they are showing I was late on XX/XX/2021. 
-Date of last payment is incorrect on all three credit bureaus.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I paid for a VIP subscription to have my account reported I paid the {$130.00} account never showed up on my credit file XX/XX/XXXX I paid a second month subscription fee of {$110.00} still no report this company has been discriminating me since the first day I emailed them to see when they were reporting one of their representatives XXXX XXXX cancel my subscription after I had just paid on the XXXX then says no refund if a consumer cant scam a company a company should never be able to scam a consumer and I am ready to file a lawsuit and collect my damages because this is messing with my livelihood wanted to buy a home in XXXX sometime so I added this account just to get treated like nothing from this company they have taken my money cancelled my subscription to sabotage me I did nothing wrong this is a blatant scam and XXXX XXXX needs to be held accountable for this I am prepared to go to the attorney general and filing a lawsuit if this account is not reported I never asked for a refund or cancellation I asked for my account to show up on my credit report they are doing me very wrong no company should ever be able to operate in this manner the lack of professionalism and customer service is very alarming this is not right people work hard for their money. TomoBoost scammed me ask yourself if this was a consumer doing this to another consumer wouldnt be considered a scam?
Product: Debt collection

Synchrony Bank sued me for an alleged debt on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) However I disputed the debt with Synchrony Bank and they honored my claim by shutting down the account, cleared my responsibility and notify the credit agencies. Unfortunately I experienced pain and suffering from their false claim. I've had difficulty receiving credit, renting a house and purchasing a vehicle due to their mistake. This has negatively affected my life. I'm seeking {$10000.00} dollars for their wrong doing. Im willing to avoid seeking further litigation if my request is granted in the next 10 business days.
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 XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Last week on XX/XX/scrub>/2025 I wanted to check my options for a personal loan to consolidate some credit card debt and have some capital for summer plans for my business. I searched for places that don't do a hard inquiry as I was only interested in figuring out options and NOT to apply for a loan. For my research I used XXXX, XXXX, and XXXX. 
I got results for 3 agencies that were all highly recommended by all 3 sources as places that provide a quote using a soft pull only - XXXX, LightStream, and XXXX. 
I went to their respective websites and explored the options with all 3, submitting my information. 

Out of the 3, I got a report from my credit monitoring service that Lightstream did a hard inquiry on my credit report. 

I called them and in reply they said I should have checked their FAQs where is says it is a hard pull. It is not mentioned in the application process nor in the acknowledgment section of the application. 

I believe this to be false advertising - as they are listen in all places including XXXX as a place that only does a a soft pull, there is no specific language in their application to ensure I knew it was going to be a hard pull and impact my credit, and now they are binding me to them by doing this hard pull on my credit as I can't inquire with other places seriously.
Product: Credit reporting

XXXX   XXXX   XXXX   XXXX   XXXX ,   XXXX    XXXX   XXXX ,  XXXX   XXXX  SS :  XXXX  Attention : CFPB Reason : Dispute  XXXX   XXXX   XXXX  : Account Number  XXXX  - Derogatory Credit Reporting Item - Erroneous Account Balance of {$190.00} NO TRANSACTION OCCURRED. NO SUPPORTING DOCUMENTATION OR RECORD FROM  XXXX   XXXX   XXXX . NO RECORD OF SHIPMENT OR INVOICE OF ANY PRODUCT OR SERVICE FROM  XXXX .      XXXX   XXXX   XXXX  IS ACTING IN AN INSUBORDINATE FASHION AND REFUSES TO RESEARCH THE ACCOUNT OR PROVIDE EVIDENCE OF ACCOUNT BALANCE.      XXXX  OWES A CREDIT OF {$110.00} FOR  XXXX   XXXX   XXXX    XXXX   XXXX   UPGRADE FROM  XXXX  FOR ACCOUNT IN QUESTION.      XXXX   XXXX  SUPERVISORS  XXXX  AND  XXXX  IN ADDITION TO REPRESENTATIVES  XXXX  AND  XXXX  WERE INSUBORDINATE IN RESEARCHING THE INQUIRY OVER THE PHONE ON  XXXX / XXXX / XXXX . ALL REPRESENTATIVES WERE  XXXX  OR  XXXX  DISCRIMINATING AGAINST A  XXXX  MALE.     REMOVE DEROGATORY ITEM IMMEDIATELY. FLAG AS FRAUDULENT.
Product: Credit reporting or other personal consumer reports

DEAR MOHELA/Dept of Education XXXX XX/XX/XXXX I was denied a credit card based on this reason. " EXTREME DEBT TO INCOME. '' 1 ) The primary reason of the Adverse Action Notice was based on my student loan debt. The debt listed on my credit report is from the student loan servicer MOHELA. 

2 ) The account listed is " Deferred until XX/XX/2025 '' 3 ) When XXXX pulled my credit report from XXXX XXXX. The student loan debt generated HIGH DEBT TO INCOME causing denial. 

4 ) This dispute alleges MOHELA of " inaccuracy and compliance issues '', defective and erroneous interest compounding and abatements. 

5 ) The information generated from " XXXX XXXX '' including the " reason codes '' and or " risk scores '' or any prejudice contained in the report. 

6 ). The failure to use a manual review for the extension of credit.

7 ). Failure to use recommended " Debt to Income Ratio '' calculations or other assessments of applicants ' creditworthiness, and persons with student loan debt.
Product: Credit reporting or other personal consumer reports

I have recently examined my credit report and identified some unauthorized inquiries still reporting in XXXX and Transunion : XXXX : XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 

TransUnion XXXX. The inquiry was not authorized XXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Account XXXX : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXXXXXX XXXX Account Number : XX/XX/XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A USAA saving credit was opened in my name. However I didnt make any inquirys on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX 2017 it was announced that XXXX XXXX XXXX  were struck by a cyberattack that may have affected about 143 million U.S. customers of the credit reporting agency. Not only did they wait over a month to relay this information because the hack was in XXXX they are not offering sufficient protection for the leak. They are offering 1 year of a credit protection service that after the year they will start billing you for without notice. In addition they charge if you would like to place a freeze on your credit. Other credit reporting sites are also making it harder to freeze your accounts by trying to sell you credit monitoring when you go to their sites to freeze your accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX, Mohela, XXXX XXXX, and XXXX XXXX. Nobody can tell me whats going on. First, the two loans that were with XXXX, that are reporting me late were consolidated. They were for XXXX XXXX university that was part of the XXXX XXXX XXXXXXXX settlement and should not be on my credit report. But this is the biggest issue, Mohela doesnt have these consolidated loans that are reporting me late on my credit! Nobody can figure out whats going on. XXXX suggested I call borrowers defense however borrower defense said they can not help with my reporting. Mohela said they dont have these consolidated loans! SO WHERE ARE THEY? AND WHY ARE THEY ON MY CREDIT? Somebody please figure it out!