23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX I posted a payment for XXXX on my account i had a XXXX credit line. the day after I made the payment -- which i made to be able to pay bills and make a large purchase -- they reduced my credit line to XXXX and since there was no notification i proceeded to process the planned payment which put my account over the limit at the XXXX i also can no longer complete and intended purchase. due to the line decrease. The customer service rep stated it is in my terms they can change the limit without notice -- i dont think that is true but the timing of this line decease feels intentional. once they locked in the payment they reduced the line within 24 hrs if i knew this was coming i would have still made a payment but not the XXXX this may be legal it may not but if this was not legit they are not going to tell me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute an account listed on my credit profile that is the result of identity theft. I believe this account with PNC Bank is inaccurate and should be removed, as I did not open or authorize this account. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681n, I have the right to dispute inaccurate information on my credit report. Additionally, I would like to bring to your attention that XXXX and XXXX have already taken action regarding this matter. 

The presence of this fraudulent account is causing significant stress and frustration for both myself and my family. I kindly request that you investigate this matter thoroughly and remove the account from my credit profile as soon as possible. 

Please find attached any supporting documentation that may assist in your investigation, including a copy of my identity theft report and relevant identification. 

Thank you for your prompt attention to this matter. I look forward to your swift response. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. Attached you will also find my ID, and Proof of Address with my most recent bill.
Product: Checking or savings account

I live in XXXX and as I will not be travelling to the XXXX any more ( due to health reasons ), I wanted to close my checking account with Truist bank in XX/XX/2023. As the online banking had a technical problem, transferring the closing balance amount of XXXX myselfwas impossible, staff of the customer service chat were trying to help but couldn't due to Truists banking system being unable to use a XXXX mobile number to send a token for a transfer. In the end I agreed to the issuing of a check, although I knew that cashing a USD check would be very, very difficult. 
The account was closed, then the check arrived a few weeks later and as predicted, I couldn't find a bank that accepted the check. 

A friend of mine offered to take the check on her trip to the XXXX and cash it at a Truist branch. She carried a very detailed Power of Attorney but none of the banks she tried, were willing to cash the check, not even Truist. 

It took me months to finally find a bank here in XXXX that was willing and able to cash the check - I had to open an account with them etc. 

I mailed in the check only to have it returned, saying it had expired I have been in contact with aTruist representative - a so called Client Resolution Specialist - all the time. They insist on the check and claim to be unable to wire transfer the closing amonut balance to my other XXXX account. 

In order to have the check re-issued, I had to send in a Declaration of Loss form. As Truist do not accept foreign notaries, they expect me to get a US Embassy seal or official Apostille to prove that the check has been destroyed. 

I am XXXX XXXX XXXX with health problems and am expected to travel XXXX by public transport to get to the closest Embasy - Truist show no mercy and insist on this. They have been chasing me around for almost one year now and are unwilling to pay out my own money to my own account by wire or ACH transfer. I can not understand how a bank should not be able to initiate a money transfer - I am at the end of my wisdom, I have begged and pleaded with them but to no avail.

I had offered to send a video of myself showing how I run the check through a document shredder but today received a message that they insist on the Apostille or Embassy seal.

They can't just keep my money, that is theft and embezzlement! Please help!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Ohio XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against Experian Dear Consumer Financial Protection Bureau, I am writing to formally complain about Experian 's handling of my credit report disputes. Despite my repeated attempts to dispute certain inaccurate items on my credit report, Experian has failed to conduct a proper investigation and has not resolved these issues satisfactorily. The following accounts are the accounts on my credit report that I am referring to. 

XXXX XXXX acct # XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX I have disputed these items multiple times, providing supporting documentation each time, yet Experian continues to report inaccurate information. This lack of proper investigation not only violates the Fair Credit Reporting Act but also adversely affects my creditworthiness, leading to significant distress and hardship. 

As a result of Experian 's neglect and failure to adhere to proper investigation protocols, I am now demanding the complete deletion of the accounts in question from my credit report. The inaccuracies in my report not only misrepresent my credit history but also tarnish my financial reputation. 

Additionally, I wish to highlight that I am a victim of the current allegations against Experian regarding their credit reporting practices. I am seeking immediate action regarding this matter to rectify the errors and ensure my credit report accurately reflects my financial history. 
Please acknowledge receipt of this complaint and inform me of the steps that will be taken to address my concerns. 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 

XXXX  looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now XXXX XXXX XXXX is trying to add this to my Experian credit report illegally under the account number XXXX and claiming I owe {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with Experian versus my report with XXXX, youll see that they took this matter very seriously and deleted these very quickly as they saw they were fraudulently added under different names, amounts, account numbers and addresses. 

Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Mortgage

On XX/XX/2021, my online borrower portal showed my H1 property taxes were deducted from my escrow account and sent to XXXX XXXX XXXX. XXXX XXXX XXXX generates records of receipts and taxes paid online. I waited 2.5 weeks for a receipt to update in XXXX XXXX XXXX websites. After waiting ample amount of time, I checked with BSI financial for the state of the payment. They had no even bothered to check whether their check arrived or was cashed, although, that is an explicit duty of the escrow account. 

On XX/XX/2021 I called BSI Financial again to follow up, since no one got back to me on Monday when BSI said they'd check in with their tax department. They didn't even keep track of the fact that I confirmed the XXXX XXXX address with another rep over the weekend. No one called me back at the end of the day on XX/XX/2021 as they said they would. I called back on the evening of XX/XX/2021 at XXXX XXXX to follow up, and a rep then informed me that a payment was sent out by Priority Mail that morning. There was no explanation of why the initial payment had failed, no details of whether the check was cashed, nothing. 

There are more reports on Consumer Affairs saying ghost transactions are generated in the borrower portal to create the illusion that a payment is sent out ; however, the counties will report taxes overdue and taxes unpaid. I believe something sinister is happening with this servicer. They have no depth of record on what the initial checks and transactions are. When I asked to speak to a supervisor, I was hung up on. No one called me back.
Product: Debt collection

On Tuesday XX/XX/2019 I received a vm from XXXX XXXX XXXX. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information on my credit report with Equifax. I am interested in deleteing all inaccurate information. review an delete the data that is hurting my file. this has been an recurring issue on my file. please remove items asap.
Product: Debt collection

I am a victim of predatory practices from XXXX. The company sued me where I did not live and used lawyers to harass me. These lawyers have access to my personal credit report, my number, my residence and my employment. The company sued me and obtained a judgment against me. They obtained a wage garnishment and are garnishing {$1800.00}. They used XXXX and XXXX attorney to represent them. I never lived in XXXX located in XXXX, CA, when they served for civil court. This was done about 4 years ago. In addition, recently I went to court on XX/XX/2017 to request claim of exemption. In court I informed civil judge XXXX about the wrongful of serving and that a wage garnishment will great a financial hardship. I have concerns about the way my rights were violated from Judge XXXX, attorneys XXXX, XXXX and XXXX.The judge denied my request of exemption. These are the reasons and concerns about this matter ; my credit report currently does not show a collection reporting from that debt, 5 years ago my credit report did not show a collection reporting from that company, currently my fico score shows good standing, XXXX is a collection agency and a third party, different attorneys are representing this company, the attorneys have violated my rights, the judge violated my rights and I am a victim of discrimination. In court I did n't have a lawyer to represent me, and the judge allowed XXXX to humiliate me. XXXX stated, it was my fault and I asked for this, family comes second, my other financial obligations comes second and requested above the 25 % wage garnishment. In my opinion this is unlawful to harass me in such a way. Furthermore, I pleaded less than $ XXXX monthly levied garnishment and that I could n't afford a wage garnishment above 25 %. Last, I felt violated at the end of the court hearing. A judge or lawyer should not be above the law.
Product: Credit reporting

Equifax is reporting a judgment on my credit file and it is not mine. And to top it all the date is incorrect. They have the date at XX/XX/XXXX and then in XXXX when I disputed this they changed the date on XXXX XXXX to XX/XX/XXXX and then it just got changed back to XX/XX/XXXX. It is unverifiable and they have not verified this as I requested for the past 3 months. So I am asking to have it removed per the FCRA and they wont. This is not fair that they can do this.
Product: Debt collection

It seems as though XXXX ( security company ) sold what THEY say I owe to Zions Debt Holdings, LLC. I received notice from the credit bureau that this collection was placed on my account. There was absolutely no prior communication from this company and the XXXX system has been out of my house since 2021 ( 2 yrs ago ). They placed an amount of over {$2000.00} owe which is definitely not the case. I have also filed a complaint with the XXXX XXXX XXXX regarding Zion Holding and XXXX. I still have had no contact with this company verbal or written. I DON'T OWE THEM ANYTHING.
Product: Debt collection

ARS continues to report on my credit file for two amounts of {$670.00} and I have requested validation of the debt being mine and they only send a letter with dates and amounts and this letter does not prove how the debt is mine. Since they ca n't they continue to play hop skip with submitting to the credit bureaus after numerous deletions. On my other XXXX bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to the CFPB in XX/XX/2023, they responded to my complaint that it is being reported correctly and that I gave consent to report in the contract. They failed to provide me with any documents with my wet signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you ( ONEMAIN ) is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C3729-3733.

( ONEMAIN ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( ONEMAIN ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( ONEMAIN ) for the account opened XX/XX/2021 with account number XXXX. 

Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( ONEMAIN ) into the ( FTC Federal Trade Commission ) for aggravated identity theft and XXXX. 

If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.
Product: Student loan

I recently applied for a repayment plan for my Direct Loans serviced by Nelnet. On the application, which must be done through the Federal Student Aid website, I was given the option to opt for the lowest payment plan regardless of applying for an IDR ( income driven repayment plan ). I live by myself, pay all of my bills on my own, and have another XXXX in student loans with another loan servicer. In addition, I pay XXXX USD to the IRS. I asked Nelnet to look at another repayment plan or lower my monthly payment which begins next XXXX, but they have failed to respond back to me.
Product: Debt collection

Subject : Complaint Against Collection Agency for Failure to Validate Debt Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Vance and Huffman LLC a debt collection agency, for their failure to validate a debt they allege I owe and for their adverse reporting on my credit report. 

I have repeatedly requested documentation verifying the legitimacy of this debt, which they claim is mine. Despite my efforts, the collection agency has not provided the required proof, such as an original contract or detailed account statement. Instead, they have instructed me to provide personal information without furnishing any evidence to support their claims. 

Moreover, the agency has reported this debt on my credit report with a recent date, suggesting fresh delinquency, which I believe is fraudulent. This negative entry is damaging my credit score and financial standing despite my clear objections and requests for validation.

I also previously submitted a complaint to your office concerning this matter and have not received a response. The lack of action from both the collection agency and the CFPB is a critical concern, leaving me vulnerable to unwarranted financial repercussions and continued harassment.

I kindly request the CFPB 's assistance in addressing this issue. Specifically, I am seeking : 1. Intervention to compel the collection agency to provide the necessary debt validation documentation.

2. An investigation into the legitimacy of the agency 's actions and their reporting on my credit file. 
3. Immediate correction or removal of the erroneous information reported by the agency to the credit bureaus.

Your prompt attention to this matter would be greatly appreciated. I am hopeful that your intervention can help rectify this unjust situation and prevent further harm to my creditworthiness.

Thank you for your assistance.
Product: Checking or savings account

I have spent 2 hours typing this and this webpage just reset itself and your upload wont let me upload so I cant send everything through upload. I will send everything thought the document upload. M & T did not change my account like I asked to have done before I went in for XXXX. I was never informed of there being 2 different free checking accounts and neither was my husband when he went into change his account and our joint account before his XXXX. Because M & T Banks associate was either neglectful or the associate or M & T was extremely deceitful. M & T bank says oops were sorry its a misunderstanding. A misunderstanding where I lost a lot and they gained it. M & T was not up front about their account types or explained what changes were made when my husband changed over the 2 accounts. My husband was unaware that the 2 accounts had been changed to a completely new account type. I am sorry if this doesnt make a lot of sense. I am trying to be fast because the website resets and clears everything and I have to start over and the upload wont let me upload. Only update since that is M & T Bank completely wiped out all the money my husband had put in there for bills. When my husband went to talk to them they pretty much told him ol well we can do what we want If XXXX name is on it. Really? This account has been being disputed since XX/XX/19. Now M & T has taken every account that has my name on it into the negative. They didnt even leave money in the joint to cover the pending transaction. I am guessing every account in my name is in the negative because I have been fighting this since XX/XX/19 and Im not sure who can help me so Im sending it everywhere. M & T has now stolen $ XXXX from us.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I went to victory XXXX in XXXX North Carolina to XXXX XXXX a XXXX XXXX but my credit was run for a XXXX and sent to several finance companys which I did not authorize the dealership to do which are now on my credit report was told by transunion credit reporting I had to contact federal trade commission to get a letter about this so I could have them removed I told the dealership I did not want a bunch of inquirys on my report and they did it without my knowledge or consent
Product: Debt collection

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.