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

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX regarding two unauthorized credit inquiries that appeared on my credit report. These inquiries, dated XX/XX/XXXX, and XX/XX/XXXX, were made without my knowledge or consent. Concerned about these unexplained entries, I requested proof of authorization and questioned the accuracy of the entity names listed on my report.

In my complaint, I highlighted the critical importance of safeguarding personal information and ensuring compliance with the Fair Credit Reporting Act ( FCRA ). Due to the seriousness of the issue, I escalated my complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further investigation.

By sharing my experience, I hope to raise awareness and assist others who may face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

Its essential to understand that the name of a company must exactly match the name of the registrant as specified in its legal documents, such as articles of organization, articles of incorporation, certificates of formation, or charters. If the company name on a credit report or legal document does not precisely match the registered name, it may not be legally recognized as the same entity. This distinction is crucial because it can differentiate between a legally recognized organization and a nonexistent one, potentially invalidating contracts, disrupting the enforceability of agreements, and complicating legal proceedings. Ensuring the correct legal name is used, especially on consumer credit reports, is not just a formalityit is a fundamental legal requirement that protects the integrity of financial transactions and upholds consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHIF or Capital for Change is reporting incorrect information to XXXX credit bureau I have tried for months to get it corrected and am being told that info is updated but credit bureau says they are not receiving corrected info from company. First of all they had a problem which caused them not to update info for several months. Then when they finally updated info the balance was incorrect. They keep telling me they are sending correct info to bureau but bureau says when they send the info it is updated immediately. Last update was on XX/XX/2019. My balance shows {$16000.00} now but I only owe {$15000.00}. Several disputes filed to no avail. DEPT OF BANKING told me to file a complaint with you after being at a standstill with CHIF. Credit Bureau says they can not accept my statements showing correct info has to come from company via electronic transfer.
Product: Mortgage

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX XXXX  and XXXX  told me I needed new state ID to pay my mortgage!!! 
So I had my wife/girlfriend pay the mortgage with her debit card on the same day XX/XX/XXXX Cash taken out the same day out her account!!! 
So there is no late payments!!! 
This bank makes false actions!!!!! 
Another issue proven on XX/XX/XXXX, I had {$2000.00} in the checking account and XXXX XXXX XXXX  and XXXX  states I'm 60 days late falsely accused!!! 
Please make them stop harassing me and correct all these false actions!!!!
Product: Credit reporting or other personal consumer reports

This bankruptcy is breaching my rights due to lack of verification, inaccurate reporting, and improper documentation. Please remove this bankruptcy and the associated accounts from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Someone has stolen propertiesI and my social security number
Product: Credit reporting or other personal consumer reports

The company is Experian. I received an email from them saying that my credit score had dropped. I called them on the phone to inquire about it. Here are the two phone numbers I called : XXXX and XXXX. 
When I called the first one, the XXXX number, I got a long rambling sales pitch from a live agent, " XXXX, '' about a protection program that would cost about {$500.00} to protect both me and my wife from fraud of some sort. He gave me no access to anyone who could explain why my credit scored had dropped. He just gave me his own personal XXXX number to call if I wanted to buy the protection. I hung up. 
When I called the second one, the XXXX number, I got a recorded voice that didn't even greet me but immediately asked me for my social security number. I hung up and then called this XXXX number back a second time. I got another recorded voice that said that this XXXX number was unavailable to my " calling area. '' My third call to the same XXXX number resulted in a busy signal.
Product: Mortgage

I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar 's website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure.
Product: Debt collection

Around XXXX of this year I was contacted by a XXXX representative after inquiring about a case study they were offering. During the discussion I was told by XXXX XXXX she also suffered the same XXXX I deal with ( XXXX ) and that the machine helped her tremendously. I said I was interested in the machine but could not afford the machince due to cost and she said I could finance it with one of there financing companies and they would cover the cost by sending me a monthly check each month for 36 months until the machine was paid for, I'd only have to pay {$5.00} dollars a month. I was excited and accepted the offer. I was contacted by UCFS ( United consumver financial services ) the following day and told everything was good to go on the loan, but before I accepted I email XXXX that and asked would I be paid for this casestudy and they email me back yes. I still have that email but my direct correspondance with XXXX  via text message is gone since i have a new cell phone since then. The first 3/4 months I was paid with no problem and I followed all my case study requirements. Then I stopped recieving payments and I contacted them and said that I was in violoation of my terms. I replied no and had them verify that I did follow my instructions and then a few weeks later the asked for my XXXX information and said they would be paying me but it never happened. This was followed but a email detailing new case study requirements that i switched to and followed to the T but I was still never compensaded for. I reached out to them with many emails and calls, also text messages to XXXX  and another lady who had recruited me initally but they did not respond either. I began to research and found out a few weeks ago the company was running this fake case study the whole time, it was a complete fraud. UCFS has not froze my account to do an investigation as of yet as well. I along with many other clients who have been tricked by this company lead by XXXX XXXX and XXXX XXXX are very sick people who are already struggling with medical bills and other expensenses associated with our various illnesses to have to deal with the mtaking advantage of sick people like this is cruel. I continue to send emails and leave voicemails with XXXX but they have not responded and when I specifically ask about the status of my payments they never reply, I even asked if they would buy the machine back and no response has been made as well. There were several exchanges when they would ask for my payment information then would never pay ... I appreciate your help in trying to reach them and get this resolved. I have attached a snippet of some correspondence I have had with them. There is more I have available at request. 

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

Okay! What Im not understanding is why Ive had to contact and write Equifax several times regarding this account. 
XXXX XXXX ACCOUNT # XXXX Opened on XX/XX/XXXX {$350.00} For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Equifax has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Equifax This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Equifax several times to advise them on unauthorized account access.
Product: Money transfer, virtual currency, or money service

i need to report a Financial Crime. XXXX stole XXXX dollars from me. I bought {$7000.00} woth of XXXX on XX/XX/2022 and was told that i needed to wait 10 days for my funds to clear. On XX/XX/2022 i tried to send my XXXX  to another wallet and okcoin told me that my account was under review by their Risk Management Team. The only Risk was the one i took dealing with these XXXX. So since i couldnt move my XXXX i converted it back to XXXX with hopes of withdrawing it back to my bank. When i tried to withdraw my funds i was told that my account was still being reviewed. Today i recieved a notice from XXXX ststing that my account has been closed and i can not make any withdrawals. So they have my money and tell me that my account no longer exist.. Complete Thievery... If this is the wrong Dept could you please forward this to the right people Thank you, XXXX XXXX
Product: Mortgage

On around XX/XX/XXXX, I applied for a home equity loan from Navy Federal credit Union to consolidate my credit card debt. According to XXXX and XXXX XXXX my home value was approx. {$420000.00}, but I claimed that the value was {$400000.00} on the application to be on the safe side. 

The bank representative told me on approximately XX/XX/XXXX that I need to get my house appraised and I need to pay {$730.00} for the appraisal, and I agreed. When the appraisal came back back, my home was valued at {$300000.00}, which was shockingly low. In XXXX and XXXX there was a back and forth about my home value I submitted an appraisal appeal showing that a similar unit with a smaller square footage in my same complex in worse condition and with older roofing ( my building had new roofing installed in 2021 ) was sold for $ XXXX. They offered me worse loan terms then originally discussed because of the extremely low valuation on my property. 

During this time, the home values went down and the interest rate went up, but I was told that the rates at the time I applied should be locked in. I submitted an appeal, but they stuck with the $ XXXX value, even though my state tax assessed value is $ XXXX right now as I type this, and typically the appraised value is somewhere higher then the the state assessed value. Since I have applied for the loan back in XXXX, I have been making minimum payments on my credit cards, expecting the consolidation to go though, but its XXXX and I am no closer to closing. The last thing I heard from NFCU is that they need a second hard credit check because the first XXXX isnt valid any more. But because of their stalling and their first credit check ( as well as a second credit check from my attempt to shop around for a loan elsewhere ) my XXXX XXXX has taken a hit. A third credit check in the space of XXXX months may disqualify me from a loan, but only because of their stalling. The second bank that I applied to has also stopped communicating with me.

It appeared as though NFCU is finding any way to get out of offering me a loan with fair terms because of the 3 interest rate hikes which happened after I applied. My credit score has taken a major hit because of theIr stalling, and I fear they might try to offer me worse terms based on the damage to my credit that they caused between XXXX and now. If they offer me the original terms, I would take it just so I can move on and start paying down my credit card debt. I would prefer to have better terms, though, which are more reflective of the actual value of my house, and based on the interest rates that existed when I originally applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX  has been reporting incorrect information on my XXXX  and Transunion credit reports for years. On multiple dates with the last being XX/XX/XXXX XXXX/XXXX  couldn't even find an account # XXXX**** with my name on it since it was opened XX/XX/XXXX. instead of correcting the error of 30 days late on XX/XX/XXXX they made reports worse by changing to now status as 30 days late instead of paid in full and adding another LATE for XX/XX/XXXX which is impossible since loan had matured and was paid in full and was never late.. I've asked XXXX/XXXX  on multiple occasions to send me proof of original contract with signatures and the proof I was 30 days late. Every time they have refused saying thy can't find cause of age on account. this is the only mark on my credit report and its affecting my score by 30+ points. Also contact info is different with each report with most being disconnected XXXX  FORMERLY XXXX # : XXXX**** XXXX XXXX XXXX   XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Product: Checking or savings account

As Citi bank advertises, a new customer opens a checking account, and deposit XXXX within 20 days, the customer will receive a {$500.00} bonus after 80 days. If I apply for new Citi credit card with my checking account on the same day, I will receive extra XXXX XXXX bonus. I opened a checking account and deposit a check of XXXX to my new checking account and applied for my new citi credit card on XXXX, XXXX, XXXX. I should receive my bonus in XXXX, XXXX however I havent. The banker told me the {$600.00} bonus will deposit to my account automatically. I went to the local citi bank to ask about my bonus in XXXX, XXXX, why I havent received my bonus on time. The banker keeps telling me they dont know. They can do nothing about my case. The only way for me is waiting. I did everything to meet the bank requirements, and can not receive my bonus. With the high rates now, I am losing money with Citibank! They keep threw the ball to me, I dont get any help from them.
Product: Student loan

I have been paying my student loan taken from XXXX XXXX XXXX XXXX XXXX on a timely basis since my loan went into repayment. Subsequent to graduation, I began making interest payments while I was looking for a job. Every payment I have made has been credited only to interest and there has been no principal accrual. The only principal posting shows up after I complained to Navient. The 2015 XXXX shows an interest payment this year that calculates over 15 % interest instead of the 6.8 % shown on the note. They are sending me an explanation, but when I look at the ledger, there is nothing that can justify this kind of posting. I believe they are using a system that is stacked to cause students to pay a higher interest on these loans over the lifetime of the loan. It just does n't seem like a fair way to repay a loan and I feel they have taken advantage of me.
Product: Debt collection

XXXX XXXX was my primary care physician in XXXX. I visited their facility in XX/XX/XXXX. I was insured by XXXX XXXX XXXX XXXX Massachusetts at the time. XXXX XXXX XXXX records show that they sent a claim to the insurance company on XX/XX/XXXX. Their records also show that as of XX/XX/XXXX, the insurance company had not responded to the claim. XXXX XXXX then tried to collect the debt from me. As I was insured, the insurance company should have paid my claim. Their failure to respond and pay the claim should not be my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed an incorrect bankruptcy on my Experian Credit Report. 

I have done this three times in XXXX ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). 

I filed a complaint with CFPB on XX/XX/XXXX concerning this issue. 

Experian responded with the same response as previously. They did not look at any of my supporting documentation, including a letter from the court. 

It is clear that the bankruptcy court does not report to any credit bureau for this bankruptcy matter ; therefore their original response verifying the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately. 

I have worked with XXXX and XXXX on this matter and they removed the erroneous bankruptcy immediately. ONLY EXPERIAN IS REPORTING INCORRECTLY AND THEY HAVE REFUSED ANY ATTEMPT TO REMOVE THIS ERROR!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi please help, I sent several letters to the bureaus and have not received a response yet. I got my credit report and seen incorrectly and unknown items on my credit report. It has been over 2 months since I first sent out my first letters. I feel like am being ignored of my disputes. With this taking so long with no response I demand these items be deleted immediately or I will file for litigation is due to the stress you caused me. Please assist me with this
Product: Credit reporting, credit repair services, or other personal consumer reports

I the consumer XXXX XXXX XXXX, have been a victim of Identity theft and have unauthorized accounts showing up on my consumer report. When I initially told the companies about the fraudulent information on my consumer report, they have not done anything to remedy this fraud. 15 usc 1681c-2 , states that consumer reporting agencies must block and remove any accounts that are related to identity theft, which my consumer report shows a Bankruptcy and accounts in Bankruptcy and these accounts are related to identity theft, and I never had knowledge of these accounts. The consumer reporting agencies are reporting accounts that are related to Fraud, and I need these removed as they are damaging my reputation, and also violates 15 usc 1692e as it is false and misleading to place this account on my consumer report. My personal information was involved in the Equifax  data breach and I have not had any knowledge as to what extent my identity was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have paid all the amount but still iam not able to get the correct information from them it shows too many wrong report
Product: Checking or savings account

On XX/XX/2022, I opened a new 1 Year CD online with CitiBank. I had {$250000.00} transferred from an existing CitiBank savings account to fund the new CD. During the online procedure to open the CD, I specified that the monthly interest earned on the CD should be added to the CD balance. On XX/XX/2022 I checked the balance on the new CD to find the interest had been deposited into my savings account NOT the CD as I had instructed. After hours of being transferred from one customer rep to another on the phone, I was finally informed by CitiBank that the CD interest could not be changed to post to the CD until the maturity date. So, basically, all interest earned on my new CD is being deposited into my savings account earning a lower interest rate. Not only is this a result of the banks error but it prevents my interest on the CD from compounding which saves the bank money. I find it unacceptable that CitiBank refuses to correct this issue.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX XXXX : XXXX XXXX Employers : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently going through a mortgage process and made the unfortunate mistake of mailing out a " good will '' letter to Capital One on XX/XX/18 asking them to consider removing some late pays they had reported last year. On XX/XX/18 I received a credit alert stating negative remarks were added to my credit reports for my closed Capital One card. When reviewing the marks it stated " consumer disputes after resolution. '' First off I NEVER disputed anything. I took full responsibility for my late pays in my letter. Any competent person reading this letter would have understood it was a simple request and could easily have been answered by a yes or a no. I have called Capital One and been met with ridiculous reason as to why they can't remove the dispute language on my report and that I need to contact the 3 bureaus instead. I've contacted all 3 credit bureaus 3 separate times and had the remarks removed with ease. It is not the credit bureaus issue. It is a Capital One issue because they keep reporting my account each month as under dispute. 

This company has caused my lenders to have to run my credit far more times than necessary lowering it each time! This is because I can not have an open dispute when getting a mortgage and they now need to make sure the dispute is removed. Capital One is literally costing me thousands of dollars which will reflect over the life of my mortgage loan! 

I have literally tried every which way to contact somebody from Capital One, even their XXXX handle which is insane. A consumer should not have to contact a company 10+ times to correct an error made by their staff. They need to remove the dispute remarks on this account immediately.
Product: Credit card or prepaid card

I realized this year there was a credit card in my name that I never opened, I filed a ftc report and submitted it to the bureaus, I spoke to the bureaus in regards to the account as fraud, after I submitted the report, it is still there on my report. I spoke to navy, and in order to open a credit card with navy, you have to have a checking account as well, which I do not have, I spoke to the banking side, which couldn't find a banking account which was strange. If you look at my credit profile I dont even have much credit. I'm just starting out. Anyway, they transfered me to cards, I explained to them that I never had an account, they haven't sent any docs to verify any accounts, and Ive disputed it soo many times. Pursuant to 15usc1681b no permissible purpose, FALSELY placing a account on my consumer report is grounds for imprisonment or {$1000.00} for the violation.