23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Sunrise Credit Service furnished in my report from months XXXX for a debt that was not validated. XXXX had no right to furnish the report, as 15 USC g. ( C ) states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. XXXX also used deceptive tactics and sent deceptive forms stating the creditor was attempting to collect on the alleged debt. The creditor furnished this on my report as charged of on XX/XX/2020. This means the creditor was no longer trying to collect. XXXX harmed me mentally and financially by damaging my credit, stating that I owe an alleged debt which defamed my character. 

XXXX is in violation of 15 USC 1692j ( a ).
Product: Credit card

Formal Complaint Against Truist Bank for Unfair and Deceptive Practices Complainant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Truist Bank XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX I am filing this complaint against Truist Bank due to a series of unethical practices, poor customer service, and financial mismanagement that have caused significant financial harm and distress. I have been a loyal customer of this bank for XXXX years, maintaining multiple business, personal, and savings accounts. However, since the merger and rebranding to Truist, I have experienced the following issues : XXXX. **Unilateral Changes to Credit Card Payment Dates : - In XXXX, Truist Bank unilaterally changed the payment dates on my credit cards without providing any prior notification. This change led to unauthorized late fees and interest charges, particularly on an account with a longstanding auto-payment to XXXX XXXX XXXX Despite reporting the issue in XXXX, the bank only credited XXXX payment and initiated a prolonged investigation. 

XXXX. **Failure to Correct Errors Despite Repeated Requests : - At the XXXX XXXX branch, a representative named XXXX contacted the corporate office to inquire why my credit card, on auto-pay for nearly 30 years, was incurring late charges. Despite being asked twice to correct the error, XXXX failed to resolve the issue for XXXX weeks. I was unjustly accused of changing the payment date, which is incorrect. This issue also affected another card with no balance, leading to months of unwarranted late fees and interest charges. 

XXXX. **Mishandling of Account Closure and Overdraft Protection : ** - In XXXX last year, I requested the closure of a line of credit and asked that my savings account be linked to my business account for overdraft protection. The banker at the XXXX Branch branch mishandled this request, resulting in unpaid checks, a missed mortgage payment, and consequent late charges. When I sought clarification, the banker was disrespectful, condescending, and blamed me for the errors, despite it being his responsibility. 

XXXX. **Unprofessional Conduct and Lack of Accountability : ** - Despite filing an official complaint against the aforementioned banker for his unprofessional conduct and failure to perform his duties correctly, he remains employed at the branch. This raises concerns about the ongoing risk to other customers ' accounts. 


Should this matter remain unresolved, I am prepared to escalate my concerns to other regulatory bodies, the media, and my congressional representatives. I will also consider exploring alternative and more trusted financial institutions to protect my money and conduct transactions. 

I trust the CFPB will take this complaint seriously and ensure that Truist Bank is held accountable for their actions. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and noticed that I had multiple name spelling and addresses on my account. Several open balances with student loan that Im not sure of the amounts or even if I took that many loans out I need all the accounts reviewed Im working with the dept of education to tell me exactly how many loans I do have. Then i have medical information on my account and i never gave them permission to share my hippa information. 
i will highlight my report and all the inaccurate name spelling and addresses and phone numbers there are several all will be highlighted and circled
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to list fraudulent negative accounts on my credit report. They are in violation of the FCRA. Report : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Numbers : 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: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred which led to my account being overdrawn and closed by the bank. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against NFCU for similar [ practices where transactions settled with insufficient balances despite initially available funds. i believe these practices are unfair and request a investigation into my account transactions
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights!

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

I am writing to dispute these inaccurate accounts listed below. These accounts listed on my credit report is within violation of my rights as a consumer. I took a further step to reach out to the federal trade commission and file a complaint and also an affidavit due to one of the accounts listed is misleading. All 3 credit bureaus is reporting different information on each account listed, when in reality and what the law states, the credit bureau must report 100 % accuracies on any accounts listed. If any accounts listed isnt 100 % accurate, the account must be deleted. Please be advised that unverified accounts remain unverified on my credit report. I have yet to receive the original documents from the original creditors which by law is a requirement. Im asking that the accounts I listed below is deleted and removed immediately from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I got a mailed and internet offer to open an account with Citibank and they offered XXXX miles XXXX XXXX AAdvantage and {$50.00} credit after spending {$500.00}, it was indeed spent, but nothing was credited, when Citibank was contacted by chat and provided the screenshot, the agent apologized offered to rectify it and promised additional XXXX miles. 

None took place. But citibank sent a unsigned letter stating the {$50.00} credit will be denied as the account is not eligible. 

Speaking today with XXXX at XXXX call center said, that a credit will posted as a misc credit because of the error, but still not there.
Product: Money transfer, virtual currency, or money service

I attempted to pay for a t shirt to a XXXX of an elementary school. I mentioned a name in the notes for the order and now PayPal is asking for the date of birth of that name that is not affiliated with my account. They are refusing to resolve the transaction until I provide this unnecessary information.
Product: Credit card or prepaid card

A credit card account with XXXX Avant LLC was fraudulently opened in my name and the credit card company customer service has been horrible trying to get this issue resolved. Avant is telling me I have to wait 5-7 business days for the fraud department to contact me before an investigation can be done and account can be closed. When I first reported the fraud, they recorded a wrong email address and now I have to wait an additional 5-7 business days for the fraud department to contact me because of their mistake. When I reported the card being fraudulently opened on the day the identity theft applied for it, the company still mailed the card out to the fraudulent mailing address 2 days later. The company has not even assured me that this account has been frozen so that it can not be used. Avant was so fast to mail out this card even as I reported fraud on the first day of it happening but they are so slow at getting back to me to getting this issue resolved and account closed out.
Product: Checking or savings account

cra violation with wells and much more ftc violation id theft overdraft fees and let someone compromise my account take money out without my knowledge ... .. 

obviously bank error and some kind of ID theft i'm not really sure too many activity that i can not report
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several complaints, XXXX  XXXX XXXX continues to report my closed credit card account with them as previously delinquent and currently 90 days delinquent. This account has been closed and paid satisfactorily. XXXX  XXXX XXXX and the credit reporting agencies have refused to correct the account upon complaint. My credit score has dropped as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was sick with XXXX and in the hospital and barely made it. I have requested for them to remove my 30 day late and they have ignored me. I have sent them a letter and they have not alleviated the situation. This company has no way of making a payment online easily. The payment system is basically created for you to have to pay fees to get anything done. Check their website to see. I am in a tough situation because I can not cancel the card because it is my oldest tradeline. Can anyone help?
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several paid collections from XXXX and Nelnet. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this complaint, please see attached documents as they will explain my complaint and verify my identity.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report, in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. Upon reviewing my credit report, I identified an account that may be inaccurately reported. 

Below are the account details I am requesting to be reinvestigated : Account Name : XXXX Account Number : XXXX I kindly request that you thoroughly reinvestigate the completeness and accuracy of all information associated with this account. If any inaccuracies are discovered, I ask that the incorrect information be removed from my credit report. In accordance with 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I respectfully request that the account be deleted from my credit report.

Additionally, under 15 U.S. Code 1681e ( b ), I request that you review your procedures to ensure they guarantee maximum possible accuracy in reporting this account. 

Thank you for your attention to this matter. I look forward to receiving confirmation that this issue has been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had XXXX  XXXX XXXX ( XXXX ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from XXXX was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from XXXX. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with XXXX. I received a call from a XXXX rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from XXXX  after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked XXXXXXXX XXXX website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from XXXX stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from XXXX after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from XXXX stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on XXXX 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 1997 Listed below are the Accounts that are being challenged XXXX - XXXX XXXX/DEPT OF ED - XXXX XXXX/DEPT OF ED - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Checking or savings account

On XX/XX/XXXX, I was on XXXX and there was an advertisement of some vitamins which could take away your XXXX  overtime, I was skeptic about it but I ordered at least 2 bottles which totaled {$43.00} something, then on this same date I checked my PNC Bank account and there was this charge of {$190.00} which threw me off the wall that I totally did not approved. I immediately contacted PNC Corporate Office bank and advised them of it and it was showing pending at that time. I was advised this Bank Customer Service Representative and she immediately deleted that debit card I used for this transaction and was replaced with another debit card. She then told me that once the pending is off, I should file a dispute and I did that. Within ten days PNC Bank credited my account the {$190.00}. Today, XX/XX/XXXX, I received a letter from PNC Bank dated XX/XX/XXXXXXXX  from the dispute department that there investigation is complete that they were going to reverse this charge of {$190.00} back to the company to whom I did not approve the total amount of {$190.00}, this is unheard of. I have been with this bank for quite some time, I am a XXXX XXXX XXXX XXXX Veteran on a Social Security Fixed Income and they are going to stab me in the back for something I did not approved and disputed. I've sent PNC BANK information regarding this matter and including a copy of a product from this company that I absolutely refused and was sent back to the company ( copy enclosed ). Please help, I have been with this Bank for quite sometime and for them to treat me like this, I may have to close this account and go elsewhere where I can be respected and not be treated like I was lying.
Product: Checking or savings account

My credit card information along with email information and identity was compromised. They charged over {$5900.00} to XXXX, They also hacked my email and fanduel account when I tried to inform both my bank and fanduel that all of my information was compromised they denied my claim. I have no idea how hackers got access to all my information, but now I'm in financial ruin and I have no idea what to do. I informed them there was no way I could of approved the transactions because I was never in a state where XXXX allows the use of their service. 

Posted Transactions XX/XX/XXXX PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$1500.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$1400.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$450.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$300.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$15.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$10.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX XXXX XXXX NJ XXXX CARD XXXX {$50.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$16.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX XXXX - XXXX NY XXXX CARD XXXX {$100.00} PURCHASE AUTHORIZED ON XX/XX/XXXX XXXX  XXXX XXXX XXXX NJ XXXX CARD XXXX {$500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my XXXX Reports : EXPERIAN : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXX/XXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  XXXX : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX : 1. XXXX Inquiry : XXXX XXXX, XXXX XXXX  : 1. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 2. XXXX XXXX Inquiry : XXXX. XXXX, XXXX 3. XXXX Inquiry : XXXX XXXX, XXXX 4. XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX 5. XXXX XXXX Inquiry : XXXX XXXX, XXXX 6. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 7. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX 8. XXXX XXXXXXXX  XXXX  Inquiry : XXXX XXXX, XXXX 9. XXXX XXXX  Inquiry : XXXX XXXX, XXXX 10. XXXX Inquiry : XXXX XXXX, XXXX 11. XXXX XXXX  XXXX XXXX Inquiry : XXXX. XXXX, XXXX