23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

My bank is PNC in Virginia. Back in XXXX I had fraud activity so I went immediately to the bank closed that account and opened a new one. I was assured several times from the bank manager once the account has refunded my money the account would be closed. I have a loan which I was also assured was moved to the new account. None of that was done. I have had overdraft fees and late fees do to all this. Most recently for some reason the loan withdraws out the account that was supposed to be closed months ago. I called the branch and left several messaged for the the manager to call me back. She never did. I went to another branch and spoke to manager there that said everything was taken care of which it was. Now a week later money was taken out of my account that I am now fighting to get back. I called early this week and I was assured my money would be refunded. It has yet happened. I call again speak to someone else and I 'm hearing from this person nothing was done earlier this week. I have currently a personal loan and car loan. I will be refinancing my house in order to pay these loans and will be closing my account with PNC.
Product: Credit reporting or other personal consumer reports

I noticed that there were some items on my credit report and I haven't the slightest clue where it came from. So, I requested validation ( in the form of original contracts ) from the bureau for each fraudulent account. I wanted to get to the bottom of who was using my identity and to get this information removed immediately. I sent a letter and and FTC report as the bureau requested 2 months ago and I still haven't received and original contracts, the method of verification, or who they spoke with at these companies and the information is still on my report.
Product: Vehicle loan or lease

I have sent in my notice of rescission letter to XXXX on XX/XX/2022. In my letter, I stated multiple violations made in my contract and my right to rescind 3 years after consummation ( they did not send me 2 copies of my right to rescind ). 

I received a letter from XXXX on XX/XX/2022 that says " As a validation of the disputed debt, we have enclosed a copy of the executed retail installment sale contract between yourself and XXXX  ). This contract is sufficient under Texas Law to create a valid obligation from your part to XXXX  and we will not rescind your contract ''. 

First of all, I didn't dispute the debt. I am practicing my right to rescind my contract and XXXX is denying me that right. This is another attempt to put XXXX on notice the effects of rescission. 

The effects of rescission 12 CFR 1026.23 ( d ) which states that the security interest in my contract becomes void, and I am not reliable for ANY amount ; INCLUDING the finance charge. I know that XXXX had 20 calendar days after my original notice, to return any money to me that has been given and take immediate action to reflect the termination of the security interest. In which you haven't done, according to the letter I received on XX/XX/2022. 

I will be taking legal action. Attached is my Affidavit letter of truth, my cease and desist letter, and my original rescind letter. I have also printed out the codes you have violated according to federal law. 

The affidavit will be notarized on paper ( the one sent through CFPB isn't signed ), everything will be sent via certified mail to your chief executive officer and XXXX of XXXX.
Product: Debt collection

I am disputing the write-off reported on my credit report by your agency. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report. 

As a responsible borrower, I have always made an effort to pay my debts on time and in full. Therefore, it is particularly distressing to have a write-off reported on my credit report, especially when I have not received any notification or documentation indicating that the debt has been cancelled or forgiven. 

I request that you investigate this. I have not received a 1099-C form from the creditor, which would indicate that the debt was cancelled or forgiven. Without this form, I believe it is inaccurate and unfair to report it as a write-off on my credit report.
Product: Credit card

my bank of America customized XXXX  XXXX  XXXX  was suspended for suspicious fraud activity for more than 5 times. i visited financial center as requested then they unblocked it. one week after my visit, they suspended again, asking me to again go to a financial center. the fraud ops department refuse to transfer to a supervisor when i asked them to, stating it their policy that you can not speak to a supervisor. im so mad what they are doing.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) Acct Number XXXX Balance : {$2000.00} XXXX XXXX Acct Number XXXX Balance : {$0.00} XXXX  XXXX Acct Number XXXX Balance : {$0.00} XXXX  Acct Number XXXX Balance : {$0.00} XXXX XXXX  Acct Number XXXX Balance : {$2600.00} XXXX Acct Number XXXX Balance : {$560.00}
Product: Credit reporting

I was refused a free annual copy of my credit report from Equifax. 

I was denied a mortgage loan from XXXX and XXXX XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/2023 Wakefield And Associates XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX To Whom It May Concern, I am writing this letter in response to the recent credit report I received that shows a debt allegedly owed to your company. I am requesting that you provide me with all legal documents that prove the validity of the debt in question. 

As a responsible consumer, I take my financial obligations seriously and I am willing to pay any legitimate debts that I owe. However, I can not do so without proof that the debt is valid and that I am responsible for it. 

Under the Fair Credit Reporting Act, I have the right to request validation of the debt before it is reported on my credit report. Therefore, I am requesting that Wakefield And Associates provide me with the following documents : 1. The original creditor 's name and address 2. The account number associated with the debt 3. The date the debt was incurred 4. The amount of the debt, including any fees or interest charges 5. Any written agreements, contracts, or other legal documents that support the validity of the debt I request that this information be sent to me within 30 days of receiving this letter. If I do not receive this information within the specified time frame, I will assume that you are unable to provide the requested documentation and I am requesting the immediate removal of this debt from my credit report. 

I appreciate your prompt attention to this matter and look forward to receiving the requested documentation. 

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

I am writing to inform you that I am a victim of identity theft resulting from a data breach. Fraudulent accounts and inquiries have appeared on my credit report without my authorization.Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be blocked and deleted from my credit file immediately : Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Credit card

Called multiple times and reported it as fraud and was told we couldnt prove it was fraud. Even though we never received a card or the merchandise that we purchased it was delivered to a state on the other side of the country.
Product: Credit reporting or other personal consumer reports

My information was breached on the dark web. Wrong account was showing as collection/chargeoff for {$290.00} from XXXX XXXX Please remove it completly
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXXXXXX account XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX account XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

The debt is from my former apartment complex. The issue started when I moved out. XXXX bought the complex I was living in the same week I was moving out. They ended up billing me over {$6000.00} dollars months later. I tried to resolve it with the company for so long. Once I got the XXXX  involved they finally corrected the amount to what I should've been billed when I moved out. The amount was {$610.00}. I paid it to the property In XXXX of XXXX. I have receipt showing a {$0.00} balance from XXXX and a copy of the cashier 's check from XXXX showing that I did pay them. For the last 6 months I've seen the Genesis Collection showing a {$0.00} amount on my credit until XX/XX/XXXX. They have it listed at {$6200.00}. I did reach out to Genesis to provide them with all my supporting documents and emails from XXXX showing the debt with original company was paid.
Product: Money transfer, virtual currency, or money service

Fifth Third Bank XXXX XXXX NC has not resolved fake account funds that have withdrawn {$10000.00} from, my XXXX  XXXX XXXX account with ACH Wires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. I am a insert profession here and my credit is crucial to my ability to make a living. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. I'm sure you'll agree it needs to be removed ASAP. 


The following information therefore needs to be verified and deleted from the report as soon as possible : I dispute : XXXX  XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX Not Mine. 
Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXX- Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX Not mine Delete/remove from my credit file. 

I dispute : XXXX XXXX XXXXNot Mine Delete/remove from my credit file.
Product: Checking or savings account

On XX/XX/18, I signed up for a Citi Bank offer that promised {$400.00} bonus if 1 ) both a new checking account and savings account were opened and a combined balance of {$15000.00} were deposited within 30 days, and 2 ) maintain the {$15000.00} balance for 60 consecutive calendar days. As of today ( XX/XX/18 ) Citi Bank is still offering this promotion. See https : XXXX? XXXX XXXX  XXXX for more details. 

My application for both a checking and a savings account was approved and activated on XX/XX/18 and I deposited {$15000.00} ( {$14000.00} in checking and {$200.00} in savings ) on XX/XX/18, which means I should qualify for the {$400.00} bonus after XX/XX/18. I reached out to customer service in XX/XX/2018 and was told that it takes up to 90 days after the requirements were met for the bonus ( which I did meet on XX/XX/18 as mentioned above ) to be deposited which would put it at XX/XX/18. I reached out again on XX/XX/18 and was told that it will be deposited after XXXX 's billing cycle or by XX/XX/18. 

The bonus failed to show up again and I reached out for the third time on XX/XX/18 and this time I was told a case is open with their back office to investigate the issue and they will be in touch within 2 business days. No one got back to me at all and I decided to reach out one last time on XX/XX/18. This time I was told that the case had been worked on, but not resolved and there were no updates. The representative said she marked the case urgent and promised a resolution, but at this point I have no patience or confidence left and I also don't believe they're serious about getting me an answer or the bonus. I've seen numerous other complaints here about the same offer and this is borderline fraud! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I closed the XXXX XXXX XXXX account on XXXX XXXX due to they were billing me for a card that I no longer had use for and increased my limit without my consent. I have disputed this several times and they would remove the payment history but every month they would report I'm behind on my payments for a closed account. I have contacted them several times and nothing still hasn't been done on their behalf. My score has dropped over XXXX points due to them reporting and the account is closed. They have lied since XXXX stating they were sending a check for the amount refunded and then also stated they would add it too the prepaid account that I had with them none of that was true. Have been having issues with them since last year and they need to be shutdown for this type of issues
Product: Money transfer, virtual currency, or money service

I made a purchase using my apple card connected to my cell phone, the company who charged me {$3000.00} for their service mislead me and would not refund me, so goldmen sachs who is now connected with apple cards has sided with the merchant without considering my side of the transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. 

Thank you for your time and help in this matter. 

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

I happen to apply for credit last week- the week of XX/XX/2022. Instead of getting the instant answer I expected I instead got a denial letter with the reason being that I had no Credit Score? This was surprising because I have a credit score and have bank accounts as well as credit cards that have low balances. 

Later that same week I tried to open a Checking account with XXXX XXXX XXXX  here where I live in XXXXXXXX XXXX. I have had a checking account at my old bank in XXXX XXXX for over 15 years where my Social Security  XXXX XXXX goes along with a pension check. When I went to open the checking account in XXXX XXXX  with XXXX XXXX XXXXXXXX that asked for my ID info. I also showed the staff my Checks from the XXXX account and a Credit card along with my Drivers License from XXXX XXXX. After a couple of minutes the young lady at the bank suddenly Gasoed out loud and told me I came up as Deceased?? I told her that I was clearly not since I was sitting in front of her with numerous pieces of ID. She indicated that she could not open the account at this time but would take my phone number and call me. Neither she nor anyone at XXXX XXXX XXXX called me. After having this happen I investigated further by obtaining my Free Credit reports from all three major credit reporting agencies. I was able to get XXXX XXXX XXXX but ran into a proble with Equafax. I did not get the free credit report but was directed to contact them ASAP. I did not call. This error of having me listed as Deceased cause me to not be able to get credit where I wanted too and also prevented me from even opening a checking account. I did suffer real ha from this error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED 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
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 XXXX according to XXXXDebt 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 inquiries listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

What is wrong with Equifax and the still can not remove the fraudulent inquiries that i disputed? This is against the Law! Equifax has been stalling my right! i have the right to have an accurate reporting and yet they still can't remove the negative even after submitting CFPB with my identification card on it? Remove the negative as soon as possible. 

XXXX XXXX XXXX XXXX XX/XX/year> XXXX  - XXXX  inquiry date XX/XX/year> XXXX XXXX XXXX inquiry date XX/XX/year>
Product: Credit card

Wells Fargo had a major outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo online. 

This was a big problem for me, because I received my statements exclusively through Wells Fargo online. After multiple contacts via phone, mail, and at the branch, I was unable to get my access restored. So, I switched to another bank in XXXX of XXXX. 

In XXXX of XXXX, I was alerted to fraudulent charges on my card via the credit bureaus. Wells Fargo never tried to contact me about these charges. They just reported me to the credit bureaus. I am 100 % certain that I did not make these charges. I had not used the card for over a year. And the charges were for things like XXXX, which we don't even have in our area. 

I immediately alerted Wells Fargo to the fraudulent charges. And they said the charges would be removed. I have this in writing from them. 

Wells Fargo did not follow through with what they said. And they dinged my credit report again. 

At this point, I hadn't even received a bill for these charges. I hadn't received statements from Wells Fargo since XXXX of XXXX. 

Wells Fargo doesn't appear to care about fraudulent charges in their system. They were notified well within the required time frames. But even today, they have not taken action on the fraudulent charges.
Product: Checking or savings account

they close my account and no money back.it Bank of America
Product: Debt collection

I am making a dispute agains t Pinnacle, LLC in a  response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practice s ACT, 15 USC 1692G SEC.809 ( 8 ), sta ting your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request  for VALIDATION m ade pursuant to the  XXXX   XXXX . I respectfully request your offices provide me with compentent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit repor ts (   XXXX ,  XXXX , and  XXXX   ). Th is action constitute fraud under bot h Federal and State Laws.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN THE VICTIM OF IDENTITY THEFT. PLEASE REMOVE OR BLOCK THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HAS 5 ACCOUNTS THAT ARE ON MY CREDIT REPORT FRAUDULENTLY. PLEASE REMOVE THEM ASAP
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several billing errors. The late payments do not align with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following the receipt of my credit report late last year from the XXXX, Experian and XXXX  consumer reporting agencies, I learned of an adverse account from XXXX/XXXX. Said account reported to all three credit reporting agencies under account number XXXX, with a customer number of XXXX. 


I never had an account with XXXX. Disputes with the credit reporting agencies were for naught as XXXX/XXXX merely confirmed the accounts. I complained to XXXX - in writing - and even completed two separate fraud affidavits received by this creditor. I also filed individual complaints with the credit reporting agencies. They were all ignored with an explanation that the account was not misused. 


Once again - I never maintained an account with XXXX/XXXX. This company ignored my concerns despite evidence of identity theft, a return of the required affidavits, and the existence of a fraud alert on my XXXX, Experian and XXXX consumer credit profiles. 

I now file my complaint to the CFPB seeking relief.