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

I am submitting this complaint regarding fraudulent activity on an unauthorized entry from XXXX XXXX Bank, which has negatively impacted my credit reports with Equifax, XXXX, and XXXX. I have identified this account as fraudulent through my review of recent consumer reports, mail correspondence, and confirmation of being a victim of identity theft. I have attached it to a formal FTC Identity Theft Report. 

The specific account in question is : XXXX XXXX XXXX XXXX XXXXXXXX This account reflects unauthorized payments and credit line increase requests that I did not initiate or authorize. Furthermore, I discovered that a prior dispute was logged on this account without my consent. I have never provided written permission for this account to be reported or for the transactions to occur.
Product: Credit reporting

I applied for a credit card with XXXX, XXXX XXXX XXXX, and XXXX all on the same day. I received the adverse letters and my credit scores are reporting differently with all XXXX companies. XXXX stated Equifax Credit score is a XXXX. XXXX XXXX stated Equifax Credit score is XXXX. XXXX stated my Equifax score is a XXXX. Why does the same credit reporting agency report XXXX different scores when all three credit cards were applied for on the same day?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX ( Original Creditor : 06 XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XX/XX/XXXX I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Student loan

I have been in repayment f or 11 years. This company has consistently mis-applied payments which requires me to call and argue with them for 1-2 hours every 1-3 months to get them to fix how the payments were applied. They may  have changed their name from  XXXX  to Navient, but they have not changed their harassing procedures.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been the victim of identity theft and I have a letter to go along with the items listed in this letter. The individual of individuals used my credit without my consent. Here are the items : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX I took out a loan for XXXX 's XXXX with Cumberland Financial Services on a 6 months same as cash for {$6200.00}. In XXXX I paid {$2200.00} towards the balance. On XX/XX/2023 I paid {$4000.00} to pay the loan in full prior to the 6 months. As of XX/XX/2023 this is still showing on my credit report as open with a balance. I have filed a dispute with XXXX but they keep sending me back to Cumberland Financial. I have been on the phone and in emails asking Cumberland Financial to correct this and they keep saying it has been reported there is nothing else they can do. I requested proof that this was reported on 2 separate occasions with no response. I need this removed from my credit report with XXXX immediately.
Product: Debt collection

I received a bill from debt collectors Vanguard Financial Services , Inc. in the mail stating that this is in advisement of a delinquent account and how it may be reported to a National Credit Reporting Agency. First that is abuse pursuant to 15 USC 1692 ( d ). I have no contract with Vanguard or anyone they might have bought my information from. Pursuant to 15 USC 6801 my information is mine and should not be shared unless authorized by me. 

I have no contract with Vanguard Financial Services , Inc . I have yet to witness a " wet ink '' signature between XXXX XXXX and Vanguard Financial Services , Inc nor have I ever received a True Bill in commerce in regards to this account. Vanguard has attempted to upon levy and/or trespass upon Me, the living woman, without due cause. There is NO valid contract.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

On XX/XX/XXXX I closed my XXXX XXXX XXXX XXXX account. My credit report on all 3 reporting agency 's shows a collections from a company called MRS BPO LLC XXXX XXXX XXXX, XXXX XXXX, NJ XXXX ( XXXX ) XXXX for {$1600.00}. When I contact MRS BPO they state to call XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX stating XXXX balance received on XX/XX/XXXX. I was never late only left XXXX XXXX XXXX for cheaper XXXX XXXX. 
I have had the same address, e mail, phone # for XXXX years. NEVER had any communication about a balance due to XXXX XXXX XXXX and NEVER had communication from MRS BPO LLC for money owed. I noticed this by looking at my CR because my score went down. Calling MRS BPO several times only gets a person that is not in the USA and repeats " you have to call XXXX XXXX XXXX  '' THIS IS FRAUD, I OWE NOTHING FOR THIS OR ANY OTHER COMPANY OTHER THAN MY PAYMENTS TO LOANS IN GOOD STANDING AND I HAVE NEVER BEEN LATE. 
Please contact me if you need any further proof that I owe MRS BPO and or XXXX XXXX XXXX any Money. 
Thank You XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry/credit pull on my Experian Report for XXXX XXXX for XX/XX/2021 which I did not authorize, I did not approve. I didn't apply for credit with them at this time. This need removed from my report! I filed a formal dispute with Experian but they said they couldn't resolve the dispute and the hard inquiry remains. 

Initially I had applied for credit with XXXX XXXX on XX/XX/2021 and they pulled a hard inquiry on that day which is fine. However, it appears they pulled it again 8 days later by mistake. I only authorized one hard credit pull/inquiry for XX/XX/2021. I did not authorize the hard pull/credit inquiry on XX/XX/2021. I only applied for credit with them one time on XX/XX/2021. I didn't apply for credit on XX/XX/2021. 

In closing the hard pull/ credit inquiry for XX/XX/2021 needs removed from my Experian Credit Report as it wasn't authorized by me. I didn't apply for credit twice with them in an 8 day period. I only applied for credit one time. Please remove the credit inquiry for XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint. My request for the correction or removal of the erroneous information about my account has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date, XX/XX/2022. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting unverified information. Below are the items that are still reporting on my account : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

misrepresentation of accounts causing damage to credit opportunities, Along with incorrect student loan balance and other balances.
Product: Checking or savings account

There was a promotion online that stated that if I deposited {$50000.00}, I would receive a {$700.00} Bonus. I clicked the link of the promotion to open my Citibank account on XX/XX/2021 with an opening balance of over {$50000.00}. I have kept the balance over {$50000.00} ever since. To date, I still have not received my {$700.00} bonus for completing the required activities. I would like to receive my {$700.00} bonus immediately. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested.

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your Authority in this matter. Absent such proof, you must correct any Erroneous reports of this past debt as mine.

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond.

Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

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

I received an email from XXXX XXXX XXXX on XX/XX/2019. I filled out a web form requesting a rate for a conventional loan. A loan officer contacted me and I gave him my information for a conventional loan. Much of the conversation was about him trying to get me to apply for an fha. I stated numerous times that I was already approved for an fha mortgage and that I did not want to consider an fha application. The loan officer stated that it didn't matter and that he could check on a conventional. After pulling my credit report he said that he could not qualify me for an fha for the amount that I wanted and I should not trust the preapproval 's I have received from the other lenders. Regardless that the other lenders have approved me based on verification of my assets and income and have been approved by underwriting. I said I didn't want to apply for an fha and that I would not be moving forward with their company. I filed a dispute with credit dispute with XXXX XXXX   for the credit inquiry. The credit inquiry did not harm my credit score but the fact that this company requested an inquiry for a loan product ( conventional ) that they were never had the intent to approve me for I requested that they remove the inquiry from my report. I received a letter from XXXX XXXX with a response from XXXX XXXX XXXX XXXX through XXXX XXXX from XXXX XXXX. The letter states that I applied for a mortgage over the phone with XXXX XXXX and that I gave verbal authorization for the credit report authorization. He further states I withdrew the application as they were not able to approve me for the amount that I desired. The truth is that I was applying for a conventional loan but the XXXX mortgage forms that they sent to the response has FHA checked off. In the box for assets it shows how much I had for a down payment and closing which was much larger than what I had stated I would use for the loan early in the process. Reason I withdrew was because that they were not offering the product I had requested I did not want to pay the fees involved with an FHA I could have increased my down payment to meet a DTI requirement. The false information that was being relayed from XXXX XXXX ( bait and switch tactics ) and I could not trust him nor his company is the reason I withdrew my application. If the web forms that I used to inquiry were to be reviewed or if the phone conversation was to be listened to if it was recorded it would be evident that I was applying for a conventional loan and that I declined due to being offered an fha.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S bankruptcy Court ( XX/XX/XXXX ) ref XXXX and XX/XX/XXXX ( ref XXXX ), XX/XX/XXXX ( refXXXX ) I have tried to dispute using a letter and I have called several times about these bankruptcies on my credit report, and no response these bankruptcies were taken off my XXXX  credit report. but they still exist on my TransUnion
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report an open record of bankruptcy XXXX  XXXX was on my report. I reach out to my local courthouse and XXXX to find out who reported this information to the credit bureaus however they both responded they do not give out that information and XXXX removed the bankruptcy from my file on there end. The three credit bureaus were all giving a copy of this information and was asked for them to verify they information if they couldnt i needed it to be remove and neither company took this into action. Bankruptcy is still being reported.
Product: Payday loan, title loan, or personal loan

PNC  bank has charged me a late fee on several occasions when I am making my payment on time. I was charged a late fee but my payment was not late even after the bank sent the payment on time. I have had the worst customer service from this bank. I was told I would be sent a passcode to access my account online. I receive the code and it never worked! I am so upset about this. I have not been able to view my account online! I have never seen a more complicated online process. Acct #  XXXX
Product: Credit card or prepaid card

On Wednesday, XX/XX/XXXX, an employee at XXXX XXXX affiliate store, XXXX XXXX, signed me up for an unauthorized account. I was never shown a credit card brochure, told about a credit card, or anything of the sort. I have had to work with the credit bureaus to have this credit account removed from my records. The company was not concerned at all - they have an employee requirement to sign customers up for a specific number of credit cards a month, which likely fosters the employee 's desire to do this. The employee, in his haste, to sign me up for an account used my middle name as my last name. I was able to get this credit card removed from my credit records, however it did impact my credit score.
Product: Checking or savings account

I received a phone call from someone who was impersonating a Cit bank representative on XX/XX/2022. They told me that I had suspicious activity on my account. 

When I looked I saw that there was suspicious activity and they told me they could help me to resolve this. 

Then the hackers created two fraudulent accounts under my name and moved money into those accounts as well as transferred money out of my account into XXXX accounts in the amounts of : - XXXX to someone by the name of XXXX XXXX - XXXX to XXXX XXXX XXXX to XXXX XXXX - XXXX to XXXX XXXX I do not know these names or who these people are. 

As soon as I realized this was fraud, I submitted claims with Citi bank ( on XX/XX/2022 ) and since received a response that Citi is unable to honor my request for reimbursement because the online credentials were required to perform the transfers and the activity appears to be consistent with my normal banking activities. 

That is not true. I have never opened another checking account nor do I ever use XXXX for any transactions. 

I re-opened my claims to dispute on XX/XX/2022. 

I filed a police report on XX/XX/2022. As soon as I can get a copy of that I will submit that here.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Debt collection

I recently checked my credit and discovered that this company is reporting that I owe them a debt. To my knowledge I do n't recall this company ever providing me with a service nor do I remember me agreeing to pay them for said services. I never received any communication from this company prior to them placing it on my credit report. My rights under the FDCPA have been violated
Product: Checking or savings account

This pertains to a previous CFPB complaint ( # XXXX ) against XXXX that was inappropriately closed by CFPB, due to lack of resolution. Bank 's response was woefully insufficient. 

We have had dozens of interactions with SunTrust/Truist bank reps, but the upshot is that Truist STILL has not reimbursed us for a {$7900.00} counterfeit check that it ( as SunTrust ) allowed someone to cash from our account on XX/XX/2022. We have had dozens of interactions with many different bank customer service reps -- including XXXX XXXX and XXXX XXXX, who were both understanding and sympathetic, but ultimately unable to bring about resolution. We have NOT been allowed to speak directly with anyone in the fraud department. 

Both we and Truist possess clear evidence that SunTrust was at fault. We sent XXXX XXXX XXXX at Truist a picture of the BLANK check -- still sitting in our pad of checks -- with the same number that was used on the counterfeit. We SAW an image on the cashed counterfeit check on SunTrust 's before that account was closed -- and saw that it was obviously NOT an authentic signature. SunTrust employee XXXX XXXX can tell you that on XX/XX/XXXX there was a similar attempt -- quite possibly by the same party -- to cash a *second* counterfeit check, but fortunately XXXX XXXX noticed XXXXrregularities, such as the signature mismatch, and stopped it. We have written acknowledgement from XXXX XXXX that SunTrust/Truist 's Fraud Department mishandled our case because it did not carefully read the case details. He therefore re-opened and re-escalated the case, but we have heard nothing since. 

This issue has inexplicably and inexcusably dragged on for more than two months. These funds are FDIC-insured, and multiple third parties ( including the police ) have said the money should have already been refunded, and expressed incredulity at the delay. 

We want ( a ) our full {$7900.00} refunded ; ( b ) full results of the investigation; and ( c ) reimbursement for other related fees. We would also be very happy to speak directly to an investigator to clarify and/or provide any additional information that might be helpful.