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

Checked my credit report and it shows hard inquiries from the following : XXXX XX/XX/2020 JPMCB CARD XX/XX/2020 JPMCB CARD XX/XX/2020 I've disputed these inquiries because I dont recall applying for these accounts. 
I think these are fraudulent. I would like the inquiries deleted from my credit reports. I've checked with the companies on the issues and was told that there's nothing they can do at this point.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. 
This account have resulted in a fraudulent chargeoff appearing on my consumer FICO credit report. I've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you was not opened, made, or initiated by me.The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with Navy Federal Credit Union ( formerly known as XXXX XXXX  XXXX XXXX XXXX XXXX ) after discovering unauthorized credit inquiries on my credit report. These inquiries, dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent and were associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for these unauthorized credit inquiries. 
In my complaint, I emphasized the critical importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playspecifically, whether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. Such inaccuracies not only undermine consumer rights but also jeopardize the integrity of the entire credit reporting system. 
By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. 
Moreover, under Va. Code Ann . 8.9A-102 ( a ) ( 73 ) and Ind. Code 26-1-9.1-102 ( a ) ( 73 ), a secured party or creditors legal name must match exactly across all legal and financial documents, including credit reports, billing statements, and other associated records. If the legal name is not accurately reflected, it can result in significant legal and financial complications. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Money transfer, virtual currency, or money service

I deposited a paycheck on XX/XX/2022 with the amount XXXX at a Wells fargo bank branch ATM, the next day I received the message from the bannk as : " We received your recent deposit to your Wells Fargo account XXXX and credited that amount to your account. 
Some or all of these funds will not be available for your immediate use. The reason for the delay and the date your funds will be available are stated below : Deposit Date Deposit Amount Amount Delayed Hold Reason Date Funds Will Be Available XX/XX/2022 XXXX XXXX Your Endorsement Was Missing XX/XX/2022 '' I talked with the bank teller in the branch and the customer service by phone, they told me because it is a large amount so they need my endorsement when deposit in a ATM, but when I did the deposit there was no reminder about that. 

I need the money to pay the rental in XXXX, so I talked with customer service for XXXX options, either send the check bak to me so I could sign the endorsment or they could cancel the check so I could ask my employer resend my another check. But they said either way won't work. 

They said they need XXXX business to verfiy with XXXX XXXX, where the check from, to collect the money, but my employer checked with his bankc account, the money already collected by Wells Fargo. 

When I talked with the superviser of Wells fargo on the phone, he just told me it is a common sense that ATM couldn't take large amount check that I should know. After I said I couldn't wait that long for the process because I need the money for the rental, he just said he couldn't do anything and hang up the phone which is very rude. 

Now I have to wait until XX/XX/XXXX for them release my check, it is unacceptable. I can not take that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to contact Springleaf Financial/OneMain Financial to correct the unpaid status on my credit reports. In both cases the accounts were sold. Springleaf to XXXX XXXX and OneMain to XXXX XXXX Both loans were settled with the debt purchasing companies. Copies of the paid information was sent to all three credit reporting agencies, as well as, the debt sellers. Both debt buyers have confirmed payment and claim to have notified the debt sellers of the paid status. XX/XX/XXXX I called XXXX and was told the account is paid/settled and that I should dispute the account with Springleaf to have the status updated as Paid/Settled to all credit reporting agencies. XX/XX/XXXX I called Springleaf and was told the account was a charge off when sold and even though now that it was paid to the debt buyer, they will not update the credit bureaus as paid/settled. XX/XX/XXXX I called XXXX XXXX and was told they report to OneMain all payments once a month on the XXXX. My account should be updated on all credit bureaus as Paid/Settled upon the next reporting cycle. XX/XX/XXXX I called OneMain and was told when XXXX XXXX reports the payment, the credit bureau will be updated as paid/settled. XX/XX/XXXX I mailed all proof of payment and a dispute letter-request to updated paid status to all credit bureaus to both OneMain and Springleaf Financial. XX/XX/XXXX I received a letter from Springfleaf/OneMain claiming the information reported is correct? They are still reporting the accounts as " Charged Off '' delinquent and unpaid. XX/XX/XXXX I submit the complaint to the CFPB in hopes to obtain a correct paid status on the Springleaf and OneMain trade lines. I do n't understand why even after a debt is sold and paid to the debt buyer, why the debt seller will not update the paid status. That would be the correct status, would n't it?
Product: Credit card or prepaid card

American Express Fraud Can not contact institution Identity Theft Cell ported number Bank Fraud Negotiations with Impersonating American Express representatives contact/email/chat Fraud Fraudulent XXXX Charges No dispute adjustments XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Product: Credit reporting, credit repair services, or other personal consumer reports

MY CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have had a mortgage, serviced by Shellpoint, which has been in default for over 5 years. My ex-husband was awarded the home. I was removed from the deed years ago and he ultimately refused to sell the house, allowed it to go it foreclosure and now filed bankruptcy to negate any financial responsibility. I've practically begged Shellpoint to foreclose on the home to put a period on the final item within my divorce that has been open for eight years. They refuse. I can not obtain credit because the account just  remains open in a very negative status accruing thousands and thousands of dollar in interest. I refuse to file bankruptcy. I've scraped to put my daughter through college. I can not obtain any type a loan because of this item and when it is foreclosed, face an additional seven years of negative reporting plus a potential lawsuit from Shellpoint because of any deficiency balance. I've complained many times, I am the only one receiving bills, calls, notices on a home that I have zero power in its final fate. It is deceptive on the part of Shellpoint to allow this loan to continue to accrue interest, to not execute a timely foreclosure and not provide a chance to work through and settle any deficiency balance. My ex-husband has lived in that home, mortgage free for almost 5 years. I don't understand how to end this nightmare and need help.
Product: Debt collection

Hi, my name is XXXX XXXX XXXX is XX/XX/XXXX. I received a letter in the mail from Faloni law group regarding a credit card debt for XXXX XXXX XXXX that was apparently opened in my name in I believe XXXX or XXXX. I had no idea there was a credit card opened in my account until receiving this letter in the mail. My reference file number is XXXX the amount that is apparently owed is {$630.00}. I was not aware of opening a XXXX  XXXX credit card & to the best of my knowledge I never even heard of this bank before. I'm asking that this debt is taken off of my name & that this company does not contact me regarding this. If there are any additional questions, I will be happy to answer but I am not responsible for this amount of money due. Thank you for your time!
Product: Checking or savings account

On XX/XX/XXXX I have opened an Accelerate Savings account with CitiBank N.A. On XXXX XXXX, XXXX the account was blocked for suspicious activity, with a balance of at least {$10000.00}. On XX/XX/XXXX ( approx.. ) the account was closed post Fraud Review and a closing check of {$0.00} was mailed to my current address. 
There have been multiple follow-ups with Fraud Alert team, post receipt of check, in the month of XX/XX/XXXX and then XX/XX/XXXX to learn a request has been raised with backend team but no tracking number has been provided and to follow up after 3-5 business days. Last call attempt was made on XX/XX/XXXX, CitiBank associate has also confirmed a balance of {$10000.00} available on the account. 
On XXXX XXXX, XXXX a deposit was made from personal XXXX  XXXX XXXX checking account, on XXXX XXXX, XXXX a failed deposit attempt was made from personal XXXX checking account. On XXXX XX/XX/XXXX CitiBank savings was put on Fraud Review Hold with no access to online account, deposit and withdrawal was blocked as well. 
Fraud review was closed on XX/XX/XXXX ( approx.. ) with {$0.00} balance in account. 
Account was closed in XXXX, a closing balance check was mailed/received on XX/XX/XXXX with {$0.00}. 
Im still waiting for {$10000.00} amount to be refunded, all transactions were made from online Citibank portal and all deposits from personal account. There was never a suspicious transaction happened from me.
Product: Credit reporting or other personal consumer reports

I submitted a formal dispute with EXPERIAN, TRANSUNION, EQUIFAX via us mail accompanied with an ftc report and formal dispute letter. My credit report contains multiple inaccuracies that I have attempted to Rectify TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above listed accounts have DO NOT BELONG TO ME I HAVE DISOUTED THEM WITH DOCUMENTATION AND I DEMAND THEY BE DELETED AT ONCE!
Product: Credit reporting or other personal consumer reports

My account had its auto payment removed. Neither I or my wife made any adjustments. When I contacted capital one I was told they did not either. As a result payment for XXXX and XXXX payments were not made. I recognized this when I got an alert advising that I have missed XXXX payments. 

This missed payments was no fault of ours, as soon as we got this alert I contacted the bank and made the payment ( XX/XX/year> ) My account was reported as XXXX  days past due in XXXX of XXXX which is inaccurate XXXX had on XXXX  days, as a result we only had XXXX XXXX XXXX days
Product: Debt collection

After reviewing my credit report, I noticed a company ENHANCED RECOVERY CAMPAN. Account : XXXX of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.
Product: Vehicle loan or lease

This company is a predatory lender. This company shut my car off on 3 different occasions for as little as {$48.00} and no more than 21 days late. This company has caused me so much stress it is unbelievable. The dealer never told me there was a cut off switch being attached to my car. If they did I would have walked away. The told me that someone would be out to install a GPS device so that in case of default on the loan they would know where to repossess the car from. Which was ok by me. In the state of Maryland your car can be repossessed after missing one payment however, this company shuts your car off leaving you stranded wherever you are at that time just for being days late not even a FULL PAYMENT BEHIND. Example my car payment is {$150.00} bi weekly yet my car was turned off for just yesterday for {$48.00} even after I just made a payment. Even after I been requesting to have my payment made monthly they insist for some reason they can't change it. This is borderline harassment. My car payment with them has never been 30days or more late NEVER yet I am in fear my car will be immobilized because I am 16 days late. Unreal someone needs to do something about this company and other 's like it. The customer can't even refinance because the miles on the cars are ridiculous so you are stuck paying triple regardless.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX CREDIT CARD WITH ACCOUNT [ XXXX OPENED XX/XX/XXXX AND balance i paid off this account but it's still showing that i owe a balancXXXX $ XXXX XXXX XXXX XXXX with account [ XXXX opened on XX/XX/XXXX and a balance of XXXX $ XXXX paid this account off this account but 's still showing that i owe a balance, XXXX XXXX unsecured loan with account XXXX opened on XX/XX/XXXX and balance of XXXX $ XXXX paid off this account but it ; s still showing that iowe a balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I made an error and underestimated the power of my credit. I forgot to pay my card and it caused me to get a 30 day late pay negative mark on my credit. Since this has happened I have opened a new card with the same company using it quite frequently and have paid it in full as I go. 
I 've learned a great lesson from this, pay on time and never be late. Credit is such a important tool and it must be respected. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate this item in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Open Date XXXX XXXX XXXX  Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I received an adverse action from XXXX XXXX XXXX  stating that XXXX XXXX XXXX provided on my person I have no contract with them and would love to receive compensation before I sue them for violation of 15 U.S.C. 1681.
Product: Debt collection

Compass property management is trying to collect funds that are not due to them. They are saying we owe {$2500.00}. Lease was up on XX/XX/2019. We moved out XX/XX/XXXX. We discussed per leasing consultant XXXX or whomever that we can do the day by day fee bc our other home wasnt ready until the XXXX. That amount was divided by the days in the month and the full amount of rent. He stated we would owe {$290.00}. I can provide the new lease starting on the XXXX. I dont understand where that amount is coming from with the rent only being {$1200.00}. And we paid the last month there ( XXXX ). I am aware that we owe {$290.00}. But we do not owe {$2500.00}. They need to provide the conversation after I told this to the rep who called about us moving. Let her know what the XXXX said. There were no further correspondences because it was established that we owe {$290.00}. When we left I was 7 months pregnant. Bending over bath tubs and mopping floors to get our deposit back that we NEVER received. That money just vanished as well. I dont appreciate them waiting XXXX yrs to try and throw it on my credit nor do I appreciate them hiking up the fee. Thats fraudulent and I noticed in ga, these homes get the benefit of the doubt Vs the tenants. Please investigate more into this because at this point it is fraud. We do not owe the amount they are claiming. And due to waiting so long its hard to provide emails/ pictures from so long ago. But Ill try to recover whatever you need to get this resolved! We NEVER received our deposit either.
Product: Mortgage

On XX/XX/XXXX I used online bill pay to send {$100000.00} to my HELOC to pay down the balance. I didn't realize my bank ( XXXX ) had moved it's servicing business away from PHH and the funds were not credited to my HELOC account. I called during the week XX/XX/XXXX to retrieve the funds. I have been calling 2-3x per week since then. 

I have submitted proof of payment to PHH but PHH are not returning my funds. PHH claims they sent the money back to XXXX but are refusing to provide proof of payment. 

I have called more than 10x to try and get my {$100000.00} back but am always told that PHH needs to find out what happened with the cash department and get back to me. They never do. 

These are the people I have spoken to at PHH : ( XXXX ) XXXX XXXX XXXX extension XXXX XXXX exension XXXX XXXX - ( don't have extension ) https : //www.phhmortgage.com/
Product: Credit reporting or other personal consumer reports

This is not the first time I have found inaccurate information on my credit report. The three credit bureaus are required to verify these accounts. It is unacceptable to report these accounts as unconfirmed without validating them within the legally mandated time frame. The following incorrect information on my credit report needs to be investigated, amended, or completely deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The dates of XX/XX/year> delete late payments with USC CODES : 15 U.S.CODE 1681 ( 2Xi ) 15 U.S.CODE 1666b 12 CFR 1026.13