23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my credit file. The items I need deleted are in the report. I am a Victim of identity and did not make these charges to such accounts. These items are reporting inaccurate to all three reports. I ask that these items be deleted from my credit file. I have enclosed copies of the Federal Trade Commission Identity theft affidavit.
Product: Debt collection

Consumer complaint narrative I received a letter from the Trellis Company on XX/XX/XXXX claiming that I owe { {$18000.00} }. They went on further to say that I defaulted on this obligation ( I dont owe them ) I saw no other information about who the original lender was, and what the terms and agreements were for the loan. They simply stated that I owe { {$18000.00} ) and they will garnish my wages to resolve the issue, which is Not right. I had my loan From Virginia Bankruptcy Court XXXX Dischrged, XX/XX/XXXX which The company was XXXX. Plus XXXX  did not show up in court in XX/XX/XXXXfor the {$10000.00} loan so Judge GRANTED me FULL DISCHARGE OF CHAPTER XXXX liquidation of Assets to me. 

Now, 5 years later I get letter from these Trellis Company and wage garnishment to XXXX XXXX in XXXX Va to garnish my wages and didnt say what date the loan was I had with them Trellis ( I have no loan with them ). This money laundering and target consumers of bankruptcy is illegal. I am a single mom and have no money, to go after these thugs,. Please help. Virginia Bankruptcy Court of XXXX said loan was discharged and trellis isnt named on court papers so they are threatening me and my company. 

What Trellis sent to XXXX is some made up number, and There was no other specific information as to the account number, the initial date the loan was started or which financial institution loaned me the funds.
Product: Debt collection

I have been receiving nasty calls from Caine and Weiner since mid XXXX. When I ask what is the nature of the calls the agents get upset and rude. Today on XX/XX/22 I received mail. I called and advised that the debt was paid. The agent still insisted that I pay. I spoke with XXXX who advised me that I no longer owe the debt and correspondent has been sent to Caine & Weiner company.
Product: Credit card or prepaid card

I DID NOT APPLY FOR A STORE CREDIT CARD WITH XXXX XXXX/XXXX XXXX. THIS IS FRAUD AND I WILL SUE EXPERIAN IF THIS IS NOT REMOVED!! XXXX HAS ALREADY IDENTIFIED THIS AS FRAUDULENT ACTIVITY AND REMOVED THE HARD PULL FROM MY CREDIT REPORT, WHY HASNT EXPERIAN??!?!?
Product: Credit reporting or other personal consumer reports

I am disputing this charge-off account as it has already been satisfied through an insurance claim. The balance has been paid and should no longer be reported as a charge-off. Under the Fair Credit Reporting Act ( FCRA ), this account must be updated to reflect the accurate status or removed entirely from my credit report. Please verify this account with the original creditor and provide proof of the remaining debt, if any, or remove it immediately.
Product: Money transfer, virtual currency, or money service

Several times I deposit funds, both checks and cash, the the ATM at the PNC bank. On several occasions the machine would malfunction but give the cash and/or checks back. 

Then on one occasion two months ago I tried to deposit cash and checks at the ATM. The ATM errored out, a message said to contact the branch the next business day and the ATM kept all the checks with no deposit record. 

When I contacted the branch I was told that ATM 's are serviced by an independent company and that company had to retrieve the checks. After two days I was told that the checks could not be recovered and that I had to contact ALL the check owners and have them reissue checks. This is unacceptable. 

Never was I told or is there in any written warning from the Bank that checks OR cash deposited at the ATM could be lost or destroyed. I called PNC corporate and was told the same thing that the ATMs are serviced by an independent company. 

This is an unacceptable practice. Had I deposited cash where the ATM did not give me credit for the cash then I have no way of proving how much the ATM kept. Also, the branch said that the " servicing company '' would know because the cash balance would be out of balance ... ..this is assuming that the " serving company '' can be trusted. 

My complaint is that PNC should send out disclaimers specifically addressing the issue of using ATMs to deposit cash or checks and that the cash or checks could possibly be not credited to the account and therefore lost. 

I believe that the BANK should be servicing their own ATMs and NOT some other company. Also, telling me that I had to get the writers of the checks to reissue those checks is unacceptable. Where did those checks go? Why was the " servicing company '' unable to recover them? 

This is unacceptable on many levels. I have since stopped using the ATM and am actively looking for a new bank to do our banking business.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, cash app stated I made a purchase of XXXX} that over-drafted my account. I didnt make a purchase of XXXX and if I did, I had funds in my account at the time. I never overdraw my account, yet was charged twice for {XXXX} and {XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXXXXXX XXXX  card was opened under my name on XX/XX/2022. I have never authorized or made any transactions or applied for any type of credit with XXXX. According to the credit bureaus, the card in question was opened with a $ XXXX limit, used once for {$99.00}. When I received the alert, I called XXXX and they cancelled the card but this item was never removed from my credit report. I am a victim of identity theft and I need this investigated and corrected as soon as possible.
Product: Debt collection

TrueAccord keeps harassing me for a debt that I've sent a debt validation demand letter. I asked for several documents proving the debt was mine. I said send me proof or cease and desist. They continually harass call and email. I will not hesitate to file a lawsuit if they do not stop harassing me.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Im writing to you about a serious issue with Equifax and other credit reporting agencies. Ive encountered multiple problems that indicate fraudulent reporting, and despite my attempts to resolve these issues, Im met with what seems like deliberate stalling tactics. 

I initially sent disputes to Equifax on XX/XX/XXXX, concerning several accounts : XXXX. XXXX XXXX Account Inconsistent Reporting : The account shows conflicting statuses like " Derogatory, '' " Collection/Chargeoff, '' and " Paid charge off. '' These inconsistencies are misleading and damaging to my credit profile. 
Contradictory Information : The report lists an " Unpaid balance reported as a loss by credit grantor, '' which contradicts the " Paid charge off '' status. This discrepancy negatively impacts my creditworthiness. 
Fraudulent Reporting : The contradictory information appears intentional and could be considered fraudulent. I requested the removal of this account, but it remains unresolved. 
XXXX. XXXX XXXX Account Re-Aged Account : XXXX shows the " Date of Last Payment '' as XX/XX/XXXX, and the " Date Last Active '' as XX/XX/XXXX. Equifax changed these dates to XX/XX/XXXX, making it appear as if the account is negative longer than it should be. This alteration seems deliberate and fraudulent. 
XXXX. XXXX XXXX XXXX Account Errors and Misleading Information : Account Type : Reported as " Open Account '' instead of " Collection. '' Date Opened : Shows as XX/XX/XXXX, which is unusual for a collection account. 
Balance and Terms : Reported inconsistently, with vague comments and discrepancies in the terms and payment status. 
XXXX. XXXX ( XXXX ) and XXXX XXXX XXXX Reporting Conflicting Information : Both entities report the same account with conflicting details : XXXX ( XXXX ) : Account Number : XXXX, Status : Charged off as bad debt. 
XXXX XXXX XXXX : Account Number : XXXX, Status : XXXX. 
Despite providing Equifax with copies of my ID and Social Security card, they claim they have not received these documents. This is incorrect ; I have attached proof of my disputes, ID, and Social Security card for your review. Equifax has repeatedly sent me stall tactic letters, claiming they can not locate my file with the provided information. I received XXXX such letters on XX/XX/XXXX, and XX/XX/XXXX, which I believe are maliciously intended to hinder my progress. 

This situation feels like a deliberate attempt to obstruct and mislead, as my attorney, XXXX XXXX, has also noted. I am deeply violated and hurt by this treatment. Equifax and the other involved agencies are engaging in fraudulent practices, and I am considering legal action. 

Please investigate these issues thoroughly. I am seeking your assistance in resolving these fraudulent entries and ensuring that my rights are upheld. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Failure to Remove Fraudulent Accounts and Violation of FCRA From XXXX, XXXX & Experian To Whom It May Concern, I am filing a formal complaint regarding your failure to remove fraudulent accounts from my credit report despite my multiple attempts to dispute them, including providing a Federal Trade Commission ( FTC ) Identity Theft Report and citing my legal rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

I have been trying to resolve this matter for an extended period of time, but despite the documentation I providedclearly demonstrating that these accounts were opened due to identity theftExperian has continuously stated that the accounts were " verified, '' without appropriately investigating or taking action in accordance with the law. This is not only incorrect but is in direct violation of the Fair Credit Reporting Act, which mandates that fraudulent information must be blocked and permanently removed from my credit report within four ( 4 ) business days of receiving the necessary documentation. 

Here is a summary of the issues I am experiencing : Failure to Remove Fraudulent Accounts : I have submitted an FTC Identity Theft Report and clearly outlined the fraudulent nature of these accounts. However, Experian continues to report them as valid, despite being legally obligated to remove and block this information within the required four business days.

Violation of FCRA ( 15 U.S.C. 1681c-2 ) : According to the Fair Credit Reporting Act, fraudulent accounts must be blocked and permanently removed from my credit report. XXXX failure to comply with this provision is a violation of federal law. 

Negative Impact on My Financial Well-Being : The continued presence of these fraudulent accounts on my credit report is severely impacting my financial stability. I am unable to secure housing, employment, or basic services due to the damage caused by these inaccuracies. 

Given these violations, I am formally requesting that Experian take the following immediate actions : Block and permanently remove all fraudulent accounts from my credit report in accordance with Section 605B of the Fair Credit Reporting Act. 
Provide written confirmation that these accounts have been removed and blocked, including an updated credit report reflecting the changes. 
A clear explanation of why my previous requests were not handled in accordance with the law, and the actions being taken to rectify this situation. 
I expect this matter to be resolved immediately and within the statutory timeframe. If these actions are not taken, I will be forced to escalate this complaint further and consider legal action. 

Thank you for your prompt attention to this serious matter.
Product: Checking or savings account

Social security XXXX XXXX XXXX XXXX XXXX My account was just closed out of nowhere and i still had funds in my account. I also had funds too out of my account from a company that I never did any business with. Don't remember the account and routing number can't access account cause it 's closed. Also had a amended tax return that I never got because you guys closed my account before I could take my money off the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Student loan

On XX/XX/XXXX, I initiated a new loan application and promptly submitted all the required documentation, which was part of a " pre-approved '' 30-day window. However, as I was completing the application, SoFi unexpectedly notified me of a higher interest rate, stating that the refinance amounts had changed. This explanation is inconsistent with the facts, as none of the amounts or my personal details have changed, and no new underwriting data has been provided to justify this rate increase. 

After discussing the matter with SoFi manager XXXX XXXX, I was informed that, despite no changes on my end, SoFi reserves the right to adjust the rate. This was done even after I had selected a pre-approved monthly payment and associated interest rate. I then spoke with two additional managers, neither of whom could provide a clear explanation for the drastic rate increase or what specific details led to the change. 

Fortunately, I was able to take screenshots of each step of my application, as I have been made aware that such rate changes can sometimes be part of deceptive practices. When I reached out to SoFi today at XXXX XXXX, I was left on hold until XXXXXXXX XXXX. During that time, XXXX stated that " no one at the company can do anything since the rate has already changed. '' When I asked to speak with a supervisor, I was told that XXXX was " the end of the line '' and that no further details could be provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am submitting this complaint without any influence from any third party or agency. Please see attached documents and ID as it contains my full complaint and requests. I am hereby notifying you that neither on those dates or dates similar did I authorize any individual from the listed companies to pull or review my consumer report. Additionally, I have not given XXXX this information. Having understood this is a violation of XXXX XXXX XXXX ( XXXX ) ( XXXX ). Both together and separately my consumer and privacy rights are being violated.
Product: Mortgage

Around XXXX  XX/XX/2020 I looked up interest rates at wells fargo who holds my mortgage and saw the rates for a refi 15 year 2.50 % - 2.645 apr my current rate 3.75 % so I felt it was worth it. I get quoted a totally different rate over 4 % in my application so confused i reached out and I was told i recieved this rate because my credit score was below 700 which was not true and I stated such All my scores were well above 700 So I then to complain in writing and after sending in a complaint and have gotten no response
Product: Checking or savings account

Chime bank closed my account fraudulently a few months ago and has been giving me the runaround via email with auto generated templates and absolutely no attempt to actually assist me in getting my money back. Their fraud department is essentially nonexistent so they have been stealing money from me, and for other customers, as I have noticed, as I was going around their social media comments. This seems like it is a pervasive issue within the company that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect Items on my credit report, It has been well over 30 days and I haven't received any investigation results.
Product: Student loan

I have been on in-school deferment with MOHELA, for over a year I havent been in school in two years. They will not update this I need to be on a payment plan. IDR application has been in review for months. I have called numerous times last year with no help they keep saying ok everything is good it should be updated in 10 business days. MOHELA is an incompetent company they do not help at all. I need to be on a payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested my credit report annually to check my credit status, reviewing the contents I come to across numerous reported debt that does not belong to me, I tried contacting the companies i got transferred around and never got actual person to help provide explanation / resolved how those accounts end up on my credit report. I strongly believe some unknown person got to my personal information fraudulently and used it. my goal filing this report is to have those delinquent accounts removed from my credit reports, at once i can get my good credit standing back.
Product: Debt collection

I received a letter from Prime Acceptance Corporation on XXXX/XXXX/XXXX requesting payment for an account that was discharged in my Chapter XXXX bankruptcy back in XXXX XXXX. I 'm not sure why they are contacting me for the account 12 1/2 years later. I requesting verification of the account and they records clearly indicate the balance was in my Bankruptcy Chapter XXXX as of XXXX/XXXX/XXXX. My bankruptcy has been discharged along with this account and others so I 'm really upset that they would be trying to collect on a debt that was included in bankruptcy. In addition to that, the account is XXXX XXXX XXXX. Please assist with resolving this matter or refer me to someone that can. I also told the company to contact my attorney that was listed on the notification that was sent to them regarding my bankruptcy. In addition, the account was for an XXXX which closed a year later but moved to another XXXX center with men which I did n't sign up for, thus the company at that time agreed to cancelled the account. However, I wanted to make sure it was cancelled so I included in my bankruptcy filing so that I would not have any issues at a later date. So apparently they dis-regarded the bankruptcy notice since they are contacting me again about this account, or they sold it to this new company.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Your offices have reported invalidated information to one or all of the 3 major Credit Bureaus XXXX XXXX, XXXX or Transunion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative or adverse marks are such as ( late payments, collections, charge offs, inquiries etc ) are found on any of my credit reports by your company or any of the companies that you represent I will not hesitate in bringing legal action against you with the FTC as well as any other relevant government agencies for the following : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of Character copied from affidavit
Product: Credit reporting or other personal consumer reports

In XXXX, I disputed a bankruptcy record listed on my LexisNexis consumer report. LexisNexis responded, stating the information was verified through XXXX. However, the U.S. Bankruptcy Court confirmed they do not report information to LexisNexis or any other credit reporting agencies. This means the bankruptcy record can not be verified at its source, as required under the Fair Credit Reporting Act ( FCRA ). 

Despite my dispute and submission of supporting documents, LexisNexis has failed to remove the unverifiable record. This issue remains unresolved, causing harm to my credit report and financial standing. I am requesting the immediate removal of this bankruptcy record and confirmation of this action.