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

I am reporting unauthorized credit inquiries from the following companies : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. While I have applied for credit recently, I did not authorize these specific inquiries. I suspect they may linked to identity theft or an error. I've already filed FTC report and disputed the inquiries with the credit bureaus, but they have not been removed. These inquiries are negatively affecting my credit score. I'm requesting the CFPB 's assistance in having them removed from my credit report.
Product: Debt collection

I sent letters to the company to dispute this on my credit report in XX/XX/2023 and XX/XX/2023, also. sent dispute letters to all credit bureau nothing from either of them following my letters.
Product: Credit reporting or other personal consumer reports

My profound frustration and disappointment regarding the continued presence of fraudulent accounts on my credit report, have not been adequately addressed despite multiple previous disputes. It is with great annoyance that I must once again bring to your attention the following fraudulent accounts that persistently tarnish my credit history : XXXX XXXX XXXX  XXXX This fraudulent account was reported without my consent and has caused severe damage to my financial standing. Despite my numerous attempts to dispute and have them removed from my credit report, your bureau has failed to investigate and rectify this issue adequately.
Product: Credit card

I have an account through synchrony bank. I 've faithfully made all payments. I sent in a post dated check dated over XXXX weeks in advance. They deposited it early resulting in the overdraft of my bank account adding fees. When I called the correct the problem they told me they had the right to cash post dated check and we were out of luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Truist bank has open several accounts in my name checking and savings, these accounts are fraudulent I did not open any of these accounts, I am now asking Truist to settle this matter by paying for damages, my name and information has been leaked and compromised, this information was leaked on the dark web and my information was used to give you an idea, the IRS has informed here last year XX/XX/2022 a scanner filed a fraudulent tax return in my name and tried to defraud the us government out of thousands of dollars, now I have used a identity theft pin so the IRS can identify me, Truist bank needs to settle this matter and pay me XXXX dollars for damages this has done to mg credit and the use of my information that has been used fraudulently, if not resolved I can and turn this over to an attorney, either call and resolve or I will carry this and demand arbitration, ( I Will NOT SEND MY INFORMATION, social security number or drivers license won to happen in a victim of identity theft, resolve this matter before I take legal action, its Truist responsibility to understand that this is something serious to me because what it has done to me.
Product: Debt collection

I am not sure that this company is legit. I have been trying to contact someone for over a month to discuss an LVNV Funding account that is reporting on my file. I have not received any call back despite leaving XXXX voicemails and speaking with many representatives that continue to tell me that there is no direct line to whom I need to contact. I am a bit leary on this account. I want this account DELETED or be able to pay this account off!
Product: Credit reporting, credit repair services, or other personal consumer reports

I just became aware that someone has been using my information and put fraudulent accounts in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I knew someone had stolen my identity so I called Equifax and when I did it said that my social security number had been reported and then it said like I had stolen a childs identity. I have XXXX boys, excuse men for my children. One is XXXX other one is XXXX. I put a freeze on myself but someone has stolen my identity and I am assuming it has something to do with a child.
Product: Credit card

I tried to make a purchase but decline card then Atlas did a review where they wanted to verified my identy try to take a pic from my phone but that document was not a option explain to them i dont have my id and request to close my account multiple times that can take the balance off and refund the rest of money and they been escalated still saying the same thing they its being escalated talk to multiple people for the past couple of days just want my money refund back of whats owe to me and not keep going back and fourth
Product: Credit reporting or other personal consumer reports

I would like to follow up in regards of the issue of an incorrect inquiry on my credit report. Despite two previous attempts to have this inaccurate inquiry removed, it remains on my report, negatively impacting my credit score and financial standing.

The inquiry in question was not authorized by me and should not be on my credit report. I have provided documentation and evidence to support my claim, yet the inquiry persists. This ongoing issue has caused me considerable stress and inconvenience.

Immediate action is imperative to rectify this matter. I expect a thorough investigation into why this unauthorized inquiry continues to appear on my credit report despite my previous requests for its removal. Additionally, I demand transparency regarding the steps being taken to address this issue and a clear timeline for its resolution. Please help me remove these inquiries immediately : XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Mortgage

While shopping for a loan I spoke with many lenders to try and find the best rate and fees for my refinance. Guaranteed Rate received an application over the internet from me, but I made it clear I was not moving forward with their firm. Every day I receive an application package to sign and so does my wife. The first instance was well after I first entered our family 's information and had already chosen another lender. We now receive daily prompts to sign our application and full initial disclosure package. This was very confusing and misleading at first. Now, it is a nuisance. 
Guaranteed Rate did not receive my business because they did not have a clear fee structure. What they promised online was not was I received on an initial cost estimate and the loan officer never placed the updated fees promised in an email on paper. She only asked if I was ready to lock today. When I said no, that 's when the application links began. 
I believe this is there strategy to coerce applicants to come back to them, but badgering them with applications after they have passed in hopes they catch the XXXX of XXXX that may come back. I emailed the loan officer and the individual sending the link to stop and remove my file. This has not happened. 

It is a nuisance. It is confusing to borrowers. It is a problem that they are not solving themselves by ending the constant emails.
Product: Money transfers

I have a XXXX ( XXXX ). I completed a job for a customer, I hand delivered the parts, and the customer is happy with the results. Unfortunately, the customer wanted to pay via credit card, so I used PayPal to process the transaction. The payment cleared, but PayPal is holding the funds for up to 21 days. Not to mention the fact that they take an additional 3 to 5 business days to transfer money to my real bank. I called and spoke with a PayPal customer service representative as well as a " specialist ''. Both reps were nice, and tried to be helpful, but the earliest they are willing to release my funds is by next Thursday, XXXX XXXX. This is amount of time is ridiculous. I understand that PayPal needs to earn interest on my money, and the longer they hold my funds, the more interest they make. The longer they hold the funds, the greater number of bills that I have are going past due. My credit rating is being destroyed while PayPal makes money. And I paid them nearly {$100.00} to process the credit card transaction. And I 'll have to pay to transfer the money to my bank account. 

Most people agree that electronic commerce is nearly instantaneous - why is it necessary for companies to withhold funds for ridiculous lengths of time? I 'm being punished for doing my part, providing a quality service, and delivering on time, only to have PayPal not release my funds until it is very convenient for them.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX account # XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  Account # 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 count with my written instructions.
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 XXXXXXXX XXXX XXXX which falls under XXXX according to XXXX XXXX XXXX 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

XXXX XXXX, This company has been using harassing tactics for years. I have finally just had enough and would like to report it. I see many previous issues with this company and even legal cases. It appears that they continue their unfair practices. I have multiple emails for past harassing behavior despite having a payment arrangement and will outline my most recent experience. On XXXX I advise XXXX of payment I would make to bring my account current. On XX/XX/XXXX I received a collection call which I answered ( I usually don't because they harass customers on calls ). It was not a pleasant call. Despite a payment arrangement I received calls ( which I did not answer ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I called CPS and the rep confirmed there was a payment arrangement noted on my account. She only agreed to stop the calls after advising her that I would report the behavior to XXXX  if the calls did not stop. I have not received any calls since XX/XX/XXXX but got an email today ( XXXX ) from a collections manager. I would like CFPB to use this information to again start investigation/litigation against this company.
Product: Credit reporting or other personal consumer reports

I recently sent out letters to the Consumer Reporting Agencies about inaccurate items on my consumer report and they came back verified. However : I still never gave them no written content to furnish this information on my consumer report. They also violated 15 USC 1681i 5 & 7 and verified these items, and violated 15 USC 1681a ( 2 ) ( B ). The items have to be deleted BEFORE the full investigation is complete. The law states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device are not supposed to be included in a consumer report, and this reported information was an EXPERIENCE of mine. 

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Also, it is required that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. They did not follow reasonable procedures to meet my needs as a consumer nor do what is fair and equitable to me, the consumer. Most importantly, this company did not exercise their grave responsibility by respecting my right to privacy, as a consumer. 

Here are the items that need to be DELETED from my report. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed : {$6100.00} XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX Balance Owed : {$5900.00} XXXX XXXX Balance Owed : {$15000.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX XXXX **** Balance Owed : {$6100.00} XXXX XXXX XXXX XXXX XXXX : {$21000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6100.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$6100.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

After reviewing my credit profile, I notice several fraudulent items on my report per 15 U.S 1681B-Permissible Purpose of Consumers Report, I have listed all items on my FTC Report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

There are numerous instances of disobedience with mandated reporting criteria, thus the information in my report isn't accurate and comprehensive! Having said that, I dispute your claims and challenge you to show me that you have the authority to publish this inaccurate, misleading information to my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Provide truthful information about accounts or other connections with a customer.

Provide accurate information about accounts or other interactions you have with customers.

C - Look at consumer complaints in a reasonable manner According to XXXX, you have to adhere to the Metro 2 compliance guidelines in order to file a legitimate report. 

Furthermore, " Any Deviation From These Standards Jeopardizes The Integrity of The Data, '' according to the XXXX. This implies that discrepancies in reporting claims have the potential to reduce information accuracy and have an impact on the accuracy of reports that are subject to federal regulation. 

I'm using my right to object to these erroneous and non-compliant items as a consequence. You will only demonstrate your lack of concern for my rights as a customer if you ignore my demand. Reporting information that hasn't been verified as ethical and compliant with certified reporting standards isn't fair. Once more, I contest these assertions and demand documentation of the appropriate reporting guidelines. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022, I opened a Citibank " Miles and More '' savings account with an opening offer of XXXX XXXX XXXX Miles as well as an ongoing 25 % bonus on miles earned on a linked Citibank/XXXX  XXXX XXXX XXXX XXXX XXXX , with deposits of over {$10000.00} maintained for at least 90 days. I deposited {$10000.00} into the account on this date to open the account and meet the terms of the promotional incentive associated with the account. 

On XX/XX/2022, the XXXX miles were credited to my XXXX XXXX AAdvantage account, but nothing was adjusted on the earning rate of the linked credit card. I contacted Citi who opened a ticket to investigate the issue, and after several weeks and reminder received a note that the case was closed as the XXXX miles were credited. I reached out again to clarify that this was not the issue, it was the 25 % bonus, for which they agreed I had met the qualifying criteria, that was the issue. Another ticket was filed and nothing happened. I called again and was passed through 5 different departments ( each one saying this was another part of the bank that was responsible ; I started with the XXXX XXXX, who said it was a credit card issued and transferred me to the Credit Card Issuing services ; they said it was the bank accounts and transferred me back; same answer and back to the credit card company who then transferred me to XXXX XXXX, who of course could not help as they said it was entirely a Citibank issues ). 

There was a clear lack of understanding of the issues as well as how to deal with this at the offshore Customer Service centers operated by the Bank. Opening a ticket was the only thing that could be effectively handled, apart perhaps from transferring me to someone else. 

I next tried the online chat tool on the website ; after eventually getting past the chatbot that could not help, I again was passed from party to party after maintaining a chat for over 1.5 hours. At this point I feel that this is a bait and switch offer from the bank, promising rewards in order to obtain deposits and then not delivering on the offer, either through ineptitude in their structure and customer support functions or by design, not sure I can tell which. Please let me resolve this matter that the bank clearly does not want to. 

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

I have did a police report XX/XX/XXXX I have called the credit agency XX/XX/XXXX XXXX XX/XX/XXXX XXXX I have sent certified letter XX/XX/XXXX XX/XX/XXXX The agency have violated my right and will not remove these account of my credit under the fair act reporting. The company the are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The preferred group XXXX XXXX XXXX
Product: Debt collection

I.C. SYSTEM, INC continues to file major derogatory claims against my credit on behalf of XXXX, a medical provider who has repeated sent fraudulent medical bills for services they confirmed were never rendered during the birth of my baby in 2020.
Product: Debt collection

On XX/XX/2022 I was contacted by XXXX XXXX with XXXX XXXX XXXX from a phone number in California. He shared that I was going to be sued and my employer would be contacted to verify my wages and I would have my wages garnished and could lose my job if my employer found out. He also stated that the attorney would be serving me documents to appear in court and as I was defrauding the bank. I advised that I had not received any communication in the mail and he said that they had several addresses on file for me and that may be why. He continued to threaten me with taking legal action against me, contacting my employer, garnishing my wages, and taking me to court, and that I would be served by a sherif or legal authorities. This is the first time I am contacted by this representative and again advised that I did not receive any information on this matter.