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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX Subject : DEMAND DELETE INMEDIATLY INQUIRIES UNAUTHORIZED UNDER CREDIT REPORT I recently reviewed my credit report and found unauthorized inquiries. 
I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT I INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either written or verbal. 
I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others. ( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify ( by physically verifying the original signed consumer contract ) each and every INQUIERES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account. 

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below. 

I demand that the following INQUIRIES be verified or removed immediately. 
The following inquiries are not authorized : Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I appreciate your prompt attention to this matter and look forward to receiving a response within the timeframe required by law. 

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

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXX/XX/2023
Product: Checking or savings account

This is to inform you about PNC 'S procedures and how they operate. 



We had a PNC Bank in XXXX XXXX, OH. They closed it but said they were going to keep the ATM there. Several months later they closed the ATM. We now have to drive 12 - 15 miles 1 way to do our banking. 



We have a monsy market savings account with them. We called the XXXX XXXX branch to see if they would give us the same interest rates on our money market savings account as other banks are doing. They said they would and extended it for a few months. We then had to call to confirm they were going to give it to us. 



They send us a letter a few weeks back saving our interest rates would be 4 %. In small print it said that it could fluctuate. This month they cut the rate to 3 %. I tried tro email them a complaint but you cant send and email to them. I am sure that this is so they dont have to report all the complaints they would get. 



Say they have {>= $1,000,000} in all there money market accounts and they reduce because they fell like it, This would be a bonus to them of over {$200000.00} a month. 



They could care less about their customers and are only interested in making the most they can for the company. 

I tried to email PNC but their website wont let you email them. 

Please look into their banking procedures. 



Thank You for your time ' XXXX XXXX
Product: Bank account or service

I opened an interesting checking account with Citibank at their XXXX XXXX, XXXX branch on XXXX XXXX, XXXX through a referral. At that time there was a promotion of {$400.00} cash bonus for new customer and {$100.00} cash bonus to the referrer. The first Citibank agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The second agent I spoke to said we would receive the cash bonus by XXXX/XXXX/XXXX. The third agent I spoke to said he does not know why I have n't received the money and opened an investigation/case on XXXX/XXXX/XXXX. After numerous encounter with Citibank representatives, I was left speechless and annoyed. Right now I still have n't received the money and felt cheated by Citibank. I guess Citibank only cares about profits and number of accounts that they can lure customers to open.
Product: Money transfer, virtual currency, or money service

I was trying to change {$100.00} dollars to bitcoins it dint happend a now i have {$98.00} dollars missing from my accont ( wallet ) y only have left {$1.00} Ive been sending emails and trying to get a phone number to contact for the las 4 days and im still have no answer from the coinbase staff
Product: Credit reporting or other personal consumer reports

In XX/XX/year>, a fraudulent XXXX XXXX account was opened in my name without my knowledge or authorization. This account has accumulated two late payments, negatively impacting my credit. I did not open this account, nor have I ever had any association with this debt. I am a victim of identity theft and request that this fraudulent account be investigated and removed from my credit report immediately.
Product: Bank account or service

Unable to transfer IRA funds to another bank. Partial transfer due to $ 250k FDIC limit
Product: Consumer Loan

When the lease on my Jeep Liberty expired I turned-in the vehicle to XXXX XXXX XXXX in XXXX, RI. The vehicle was inspected by the salesman, XXXX, and it was found to be undamaged. About five days later, the vehicle was moved to another location and inspected by an Ally Financial ( financiers of the lease ) representative who found scratches and gouges on the vehicle that were not there when I turned-in the vehicle to XXXX XXXX XXXX. The salesman, XXXX, called Ally and disputed their findings. Ally called me this morning and said that are not going to wave the {$350.00} they are demanding and are threatening me with adverse action to my credit score.
Product: Credit card or prepaid card

On XX/XX/2020 my bill did not go through account with missed payment. I am kindly requesting COMENITY BANK/VCTRSSEC to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023
Product: Debt collection

XX/XX/2021 the account was purchased by Portfolio Recovery XX/XX/2021 the account was reported to credit bureaus FCRA Violations 1. PRA contacted my by phone from their VA office and is not licensed to collect a debt in VA or Illinois.

2. PRA reported the debt to my credit report 4 days after the purchase from XXXX  XXXX and did not send verification of the debt. 
3. I was not given the proper amount of time to dispute the debt and the debt was not verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA Violation : collection not mine XXXX XXXX XXXX  {$270.00} XXXX XXXX XXXX {$33.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$540.00} XXXX XXXX XXXX {$350.00} XXXX XXXX {$1100.00} FCRA Violation : auto loan not mine XXXX XXXX FCRA Violation : other loan not mine XXXX XXXX  {$540.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter for the inaccurate accounts on my credit report. It has been days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item gives me a reason to immediately repair the items from my credit report, they should be promptly corrected. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please repair the accounts and remove the late payments : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a XXXX  payment of {$420.00} with my Wells Fargo checking account on XX/XX/2018. I never received the product that I paid for despite multiple emails and calls. When I called Wells Fargo, I was told there was nothing that could be done ; they dont provide any protection for transactions via XXXX even if my bank account was used.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. ( IVE SENT OUT LETTERS TO ALL XXXX CREDIT BUREAU SINCE XX/XX/2022 AND STILL HAVEN'T RECEIVED ANY PROOF SUCH AS CONTRACTS OR AGREEMENTS WITH MY SIGNATURES PROOF OF IDENTITY AND ALL INFORMATION THAT SHOWS ACCOUNTS ARE BEING REPORTED 100 % ACCURATELY!!! PLEASE REMOVE ALL INACCURATE ACCOUNTS BELOW IMMEDIATELY OFF OF MY CREDIT REPORT! ) Dear Credit Bureaus Accounts Disputed Listed Below : XXXXXXXX XXXX XXXX Account number XXXX 
XXXX. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX Account number XXXX After reviewing my credit report I must inform you that I am NOT responsible for the above listed account as I have been a victim of identity theft. I have already notified both my local police department and the Federal Trade Commission by completing an identity theft report and I have included a copy for your review. Please delete the accounts from my credit report immediately! Thank you, XXXX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
Product: Debt collection

in XXXX of 2022 i got insurance with progressive and was quoted for my policy at XXXXXXXX XXXX XXXX dollars. i payed the initial payment of XXXX on XX/XX/XXXX. when may came along and i was to start my new policy in another state, i was told they never received my documents and would be charged XXXX  monthly for my policy. i called progressive many times and tired emailing them the documents they requested. each time i called i was told they didn't receive the documents and would take up to XXXX hours to show in their system. i tired to reach out to the insurance broker that sold me the insurance but wasn't ever able to get a hold of her. i was told because my miles went up due moving and because i didn't submit my documents in time they would continue to charge me XXXX each month. i cancelled my service and then i have a collection of XXXX on my credit report.
Product: Credit card

On XX/XX/year> I got email asking me if a made a purchasing I wrote this letter to Regions Bank to make sure i have the disputed amount herein is credited back to my new Regions Bank XXXX account. 
The XXXX disputed transaction ( Dispute ID XXXX  ) on my XXXX XXXX account is XXXX that i could not have charged because i had Not Received my new card in the mail also never was activated by me. 
This was a New Account and so i was waiting for my card to be able to use it. 
I received a email asking me If was me who made the transaction location of the XXXX XXXX ( XXXX XXXX ) is not nearby in fact it is approximately ( XXXX ) fifteen miles from my house. I called regions bank I asked why is the New card/Account Not was Activated by me how the transaction when through. And the answer was " ... the person used the Chip on card ''. That is no logic the chip don't must work either If the card is no activated I am enclosing a copy of the police report, but i can scan and send that to you if that is deemed necessary - name on account : XXXX - Regions CASH REWARDS account number : XXXX XXXX XXXX XXXX XXXX Disputed pruchase in the amount of {$2800.00} ( purchased at XXXX XXXX { XXXX } on XX/XX/year> ) - XXXXXXXX XXXX XXXX  File incident number is XXXX dated XX/XX/year> - The dispute ID number with my Regions Cash Rewards XXXX Signature Credit Card account XXXX XXXX THE ACCOUNT NUMBER THAT WAS USED, FRAUDULENTLY I ONLY HAVE THE LAST 4 DIGITS : XXXX
Product: Checking or savings account

This is financial discrimination, I've been traveling for the last few months, I was unable to get a temporary card, because they discontinue it, so I'm having to make cash withdrawals for my account, right now I got stuck in Utah and have, because some of the branches are not open on the weekends, but other are,
Product: Credit reporting or other personal consumer reports

All my school loans were discharged for attending the XXXX XXXX XXXX XXXX XXXX based on the years of which I attended in 2008 due to fraud conducted by the XXXX XXXX XXXX XXXX. Despite this conclusion XXXX XXXX has tampered with my credit score and is billing me.
Product: Consumer Loan

I purchased a vehicle from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX and obtained financing for my loan through Prestige Financial Services on XXXX XXXX, 2016 for a 14.99 % interest rate with a payment of {$600.00} for 72 moths. In which I knew was steep but opted to do the loan to reestablish my credit due to a recent bankruptcy filing and divorce. My original due date was supposed to be XXXX/XXXX/16 but the loan was not funded due to XXXX at Prestige needed to verify that I did not file a reaffirmation on my home. During Prestige 's verification I accepted a new position for employment and also provided XXXX with my offer letter for verification. XXXX and XXXX from XXXX contacted ma and stated I needed to sign a new loan document because my loan was not booked on time indicating that the only change would be my new date. There were no other changes of the terms by either party as required by Truth In Lending. All calls at Prestige are monitored and recorded to validate my complaint. With me being within my 90 days and in training XXXX arranged to come to my job for me to sign the new loan documents again no other conversation took place about any changes. When XXXX arrived I was not on break and had to run to the lobby very quickly to sign the loan documents and I had to return back to training since I was disrupting training to sign. When I came out again no conversation about any changes other than the due date. XXXX just pointed where to sign and I did as I trusted him especially coming to my job since I was unable to take off to do it. A few days had past and I was contacted by XXXX with Prestige to setup auto payment for my new loan and it was discovered then and only then that my rate was changed to a 17.99 % with a payment of {$630.00}. I immediately advised XXXX that was inaccurate. I sent him my original loan agreement and he sent me the new XXXX that had the new terms that were not communicated. I have text message between myself and Laron where he advises he thought I knew and that it changed because I changed employers. This was not communicated by either party. I would not have taken the loan if I was made aware as I already had a car that I could have kept. I have contacted XXXX, his manager, XXXX, her manager XXXX XXXX, and XXXX multiple times with no response or return call. That they are looking into it. I informed XXXX that I wanted to bring the car back and was denied. I even had to pay for a sevond temp tag because of this situation. I went ahead and made my first payment as I did not want this to reflect negatively on me as my whole point was to reestablish my credit. I am getting the run around and felt that XXXX and Prestige were deceptive and unfair not going over that my terms were changed. I last spoke with XXXX when he called about my second payment and told him that this was still not resolved. He said he would have XXXX XXXX call me in which still no contact with either parties. I have left countless messages. I want them to adjust my interest rate and payment amount. I also would like them to do something additional to rectify my despair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( XXXX ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( XXXX ) Delete this account : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We are receiving letter of intent to foreclose on our home due to county PVA department and Kentucky Land Title 's mistake that was made on taxes owed on our property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute information on my credit report that is related to a bankruptcy filing. According to my credit report, there is a bankruptcy filing that was reported in XX/XX/XXXX However, I have not filed for bankruptcy and the information on my credit report is incorrect. 

I sent letters to you on XXXX XXXXand XX/XX/XXXX requesting that this information be removed from my credit report, but it has not yet been corrected. I also contacted the US Bankruptcy Court, and they informed me that they did not report or verify this information. 
Please send me a written response confirming that you have corrected the error and removed the bankruptcy information from my credit report. If you are unable to verify the accuracy of this information, please remove it from my credit report immediately.
Product: Debt collection

Multiple calls says it 's in regards to a " financial matter '' Message says that it is for XXXX ( XXXX ) not my last name " XXXX '' When I attempted to call the number XXXX to have me removed from their call list I reach a voice prompted dead end. 
the call is from XXXX reference # XXXX my phone number is XXXX
Product: Credit card

I have spoken to Truist bank 10 times since XX/XX/XXXX to close a credit card account. The credit card account, which I never even requested nor knew existed, had fraud activities starting in XX/XX/XXXX. I immediately alerted them and they opened a claim. 

On XX/XX/XXXX, they sent me a letter that the disputed transactions as well as any accrued fianance charges and fees would be removed from the credit card balance. They also stated that at my request the credit card account was closed. However, every single month since then - XXXX, XXXX, XXXX, XXXX, XXXX and XXXX- I have been charged a late payment and interest fees- and each month I have had to call to reverse those charges and ask again to close the account. As a result, I've now also been informed by another financial institution that they are closing my account because my credit rating is showing a serious delinquency due to Truist 's negligence. 

I spoke to them today ( XX/XX/XXXX ) for the 3rd time this month. They insist that the account is closed but they can not answer my question each month that if that is the case, then why do they keep charging me late and interest fees that is also destroying my credit rating? Today, they were unable to connect me to a supervisor and said that someone would call me back within one day. I have been told that each month for 6 months and no one from Truist has ever called me back. This is serious delinquency on the part of Truist that is destroying my credit rating, including negatively impacting XXXX children 's college loans and home buying retirement plans. Not to mention that this entire groundhog day experience has been incredibly frustrating and frankly ridiculous. Truist does not have its act together and I will be moving banks as soon as this is resolved.
Product: Credit reporting or other personal consumer reports

Inaccurate inquiries reporting on my credit report, XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX EXPERIAN BUSINESS CREDIT Inquired on XX/XX/XXXX On record until XX/XX/XXXX Miss spelled names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

one XXXX XXXX account ( student loan ) has been reporting under my equifax credit file, which doesn't belong tome, i have never went to school here let alone getting a student loan nor i have been helping someone or authorized someone else in order to inquire this loan, please help me to have this inaccurate account removed from equifax credit reporting. they have been running me around and even the XXXX XXXX does not have this account under my name, please help me to have mistake through their end removed thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

These three charges are errors. They do not belong to me. XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Opened XX/XX/XXXX - XXXX XXXX XXXX Closed : XX/XX/XXXX