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

I have reached out to Equifax, XXXX and XXXX to update my credit profile with accurate information regarding personal information. I have yet to see the changes i requested and as a consumer i have lost hope in these companies because they are not abiding by my rights. Its to my knowledge i have the right to accurate credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. 

Univeristy of XXXX  Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.
Product: Student loan

My loans were recently transferred from XXXX XXXX to FedLoan Services because of the Public Service Loan Forgiveness and the experience has not only been tedious, but the last phone call I completed left me in tears of frustration. Not only are the customer service workers polite enough just to get you off of the phone quickly with false assurance, but they do not keep any sort of records/notes on my account. I call a few times a week and the person I speak with ca n't recall what the previous person spoke with me about. My loans are current and I am simply trying to enroll into a Pay As You Earn payment plan. I have spoken to over XXXX customer service agents and each one tells me something different. I would not give FedLoan Servicing my business if it was n't mandatory. This experience has been nothing but false promises and disappointments. I would recommend better training for those who are on the phones because the fact that my request to have a payment refunded to me ( after my loans were put into a temporary forbearance ) ( which I was assured could happen ) has been denied with no real reason given is ridiculous! I am livid and the way that my business has been handled is a disgrace, especially since I am willingly trying to pay my loans back. Please consider the way you do business.
Product: Mortgage

Select Portfolio Servicing is handling my mortgage, The owner of my mortgage is XXXX XXXX XXXX, as Trustee on behalf of XXXX XXXX XXXX  XXXX XXXX XXXX. I'm so confused about the whole situation. I was offered a modification trial. XXXX  XXXX. And completed it. I didn't hear anything from SPS after the 3-month trial, I've been in constant contact and keep getting conflicting information from them. about what the mortgage payment and decision would be during.the trial period I paid $ XXXXNow things have escalated to a Loss Mitigation Program demanding {$1600.00} beginning XX/XX/XXXX until XX/XX/XXXX. SPS stated that I only qualify for a repayment plan, due to the delinquincy of my account, and that the owners of my mortgage XXXX XXXX XXXX XXXX, as Trustee, in Trust on behalf of XXXX XXXX XXXXe XXXX XXXX. Has not given SPS Contractual authority to modify my mortgage That I was under the impression of being in a trial modification earlier in this year.. My income was not required nor considered as a part of the evaluation. which is a first to me. According to SPS the market value of my house is {$59000.00}. At the present time, I'm underwater with a balance of over {$120000.00} I have statements showing payments due XX/XX/XXXX for $ XXXX {$820.00}, that's included in bringing the loan current. At that time SPS had me in a trial modification making a different payment amount. That I paid {$700.00} so how would those amounts even be included for repayment. Also, I have paid numerous principle and interest payments but my balance keeps increasing. I'm very confused I don't even know what kind of loan I have.
Product: Checking or savings account

To whom it may concern : I opened a checking and savings account package with Citibank in XX/XX/XXXX of this year, under a promotion. The promotion offered promised a {$400.00} bonus upon opening this package and depositing {$15000.00} within 30 days of opening the account and maintaining the balance for 60 days. 

I called on XX/XX/XXXX and asked how I could make this required deposit. I was told that an ATM card had been mailed out when I opened my account, and it would arrive shortly, and I could make a deposit at any citi atm once I receive it. While I was on the phone, I inquired about the promotion, and was told that it's linked to my account, and that as long as I made the deposit within the required timeframe, I'd receive the bonus. 

Two weeks later, I still hadn't received the ATM card. I called citi customer service again, and was told that they are unable to send out debit cards within the first thirty days of account opening. When I told the agent about the promotion, I was advised to mail in my deposit. I was concerned that the deposit wouldn't be processed until after the cutoff date for the promotion, and shared this concern with the agent. She responded that as long as the deposit was postmarked by the required date, they'd honor the promotion. Then i told the her that I didn't have the savings account number ( I had the checking account number from the deposit slips they sent me. ) She said I could mail in two checks with the deposit slip for checking, and include a note instructing the teller to deposit one check to checking and one to the corresponding saving account. 

I sent the deposit the same day, with a note to deposit {$15000.00} into checking and {$150.00} into the attached savings account, as instructed by the agent. The deposit wasnt processed until XX/XX/2018, and the full amount was deposited into checking. 

I called again, and they said they would send a debit card, and I should make the deposit to savings within 45 days of account opening and would receive the bonus. ( Also he said there is no such rule about sending debit cards in the first 30 days of opening an account. ) I got the debit card a few days later, but no pin, which I would need to make the deposit. I called again, and they overnighted me a pin number, again confirming that I could still get the bonus. 

On XX/XX/XXXX, I got the pin number. I immediately made the deposit to savings. I chatted with customer service on XX/XX/XXXX, and once again they confirmed I was eligible for the bonus - as long as I maintained the balance for 60 days. 

In XX/XX/XXXX, I got an email from citi that they wouldn't honor the promotion because the deposit wasnt made on time. I chatted with customer service again and was basically told there is nothing she can do ; it's a different department that decides promotions And they dont speak to customers.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to kindly and amicably hand this matter with Equifax but to no avail. They just continue to send me stall letters, and automated responses, How is this fair for a corporation to have all this power and no accountability?
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I tried reaching out to these creditors to provide proof of debt and non of them responded and its been over XXXX  days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU XXXX XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXXXXXX XXXX XXXX KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU, XXXX XXXX : KNIGHT ADJUSTMENT BUREAU XXXX XXXX
Product: Checking or savings account

I hired an attorney to file an application for garnishment and writ of garnishment pursuant to a Judgement I received against XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX for {$1100.00} on XX/XX/XXXX. These garnishment papers were sent to PNC Bank , National Association in XXXX, PA attn XXXX XXXX, Branch Manager on or about XX/XX/XXXX. This Bank returned notice to my attorney stating that the account number and name of the account did not match the FEIN we furnished them. The name on the check drawn on this PNC account is clearly stated as XXXX XXXX XXXX XXXX, XXXX and below it the words " A wholly owned subsidiary of XXXX XXXX '' The only other name on the check is XXXX, which is not a business but the name of the US Defense Department Health Care program and could therefore not possibly be the name on the account. My attorney instructed the branch manager to process the garnishment with the account number attached to the following possible FEIN 's as provide by a private investigator : XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX There should not be a problem processing the garnishment unless the name on the check does not match the name on the account. If that is the case then the name on the check is a misrepresntation and therefore should not be allowed by the bank. My complaint is that the bank is allowing XXXX XXXX XXXX XXXX, XXXX and or XXXX XXXX to have an account with checks that do not correctly state the name of the account holder, therefore making garnishment impossible. Either that is the case or this bank is giving me incorrect information in an attempt to protect their account holder and prevent the garnishment. In either case this would most likely be a violation of banking regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020, I was notified by XXXX  XXXX & XXXX  that a hard inquiry was placed on my credit report to open a new line of credit with XXXX  XXXX in Michigan - a state I have never even visited or resided. This inquiry was flagged as potentially fraudulent & I was immediately notified. I responded to the messages, confirmed my identity to XXXX  and XXXX XXXX, fraud alerts were placed on all 3 credit reports, and XXXX XXXX denied the application as fraud. XXXX  immediately removed this hard pull from my account, but XXXX XXXX failed to remove the fraudulent hard pull from TransUnion & XXXX. Since these are hard pulls, they negatively impact my credit score. 

In XX/XX/2020, the CFPB assisted me in getting XXXX XXXX to correctly fix this fraud error on my credit reports ( see attached letter dated XX/XX/2020 ), but to date, TransUnion has not corrected this hard credit pull.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an old address on my credit report that has n't been mine in almost 10 years. Usually I would n't mind but, it just appeared out of the blue in a address update they just recently did. I 'm thinking it might be identify theft, with all the credit info being stolen. My address is in XXXX for years now. As a matter of fact when I left XXXX I broke the lease, and I named the XXXX ( the name of the community on my Bankruptcy ) I do n't know why now it would surface and from where?
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I dispute this erroneous info I get serious run around from Apple/Goldman Sachs ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, XX/XX/2021; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!
Product: Mortgage

I refinanced my home earlier this year using Pentagon Federal. Escrow signing took place on XX/XX/2016. I received a letter from XXXX today XX/XX/2116 dated XX/XX/2116 letting me know that the ownership of my XXXX lien mortgage had been transferred by Pentagon Federal Credit Union to XXXX. This transfer was effective XX/XX/2116. I never received correspondence from Pentagon Federal or XXXX letting me know that this was going to occur. It was my understanding that I had to be notified 15 days before the transfer became effective.
Product: Checking or savings account

A couple of months ago around the beginning of XXXX I opened an account with a {$30.00} deposit with fifth third Bank. Within 2 weeks I tried to log in and they invalidated my login credentials. I called to find out the reason and I was told that I needed to verify my information at a physical branch. I informed them that I am not able to go to a branch as they are not accessible from where my location is. After that they sent me a letter stating that they would close my account down in 15 days if I did not go to verify my information so I decided to wait and let the account close so I can retrieve my {$30.00} deposit. It is almost a month since that letter was sent and I have not received any form of communication or update about my deposit from this Bank. I have called them multiple times and have been hung up on or put on hold for so long that the phone system automatically hangs up my call. I do not want to have anything to do with this bank as I had not had a chance to use an account I've had open for multiple months. I just want my money back, they told me they were going to get me my money back and they have not as of today.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, PERSONALIZED Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX of Inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received the attached credit report today and both the XXXX XXXX XXXX " accounts '' should have been closed. The foreclosure sale was ILLEGAL based on falsified/forged documents as far back as XXXX. Neither of these accounts technically exist and this " XXXX '' ( XXXX XXXX XXXX ) alias company, is trying to wear me down to admit that they do exist when there is NO Mortgage and NO promissory Note that is original. It was proven on XX/XX/XXXX when my document expert evaluated the FAKE documents. There should be NO derogatory accounts listed on Any of my credit reports. The attached Experian credit report shows this wrongfully reported. I will attach the document experts affidavit showing that the Mortgage And Promissory Note being used to ILLEGALLY foreclose on my home are false/forged do not exist and the foreclosure is ILLEGAL. This bank can not legally foreclose NOR collect with false/forged documents!!
Product: Debt collection

On XX/XX/year> I received a letter from Portfolio Recovery saying I had a judge against me but i never received anything saying I was being sued. Now they are threatening to seize my assets for {$XXXX}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX a few days ago because there was an account that was not mind ( KIKOFF LENDING LLC ). Phone rep advised me to send in a dispute letter included in that letter would be my i.d ss # and utility bill proving my identity and address. I sent them in and called them back and they said they didn't receive the letter. I sent them out certified mail
Product: Checking or savings account

I received a refund for my student loans. There were two checks I deposited into my Chase account. One for about {$40.00} and the other was around {$5000.00}. I did receive an email immediately after deposits saying one was accepted. The other however did not. Which was expected because the amount was higher. A hold was placed on the deposit and it was never released. I made numerous trips to the branch with the stubs because they claimed to need help with the verification process. Once at the branch thats when the games begun. They wouldve accept the stub despite that being the sole reason for going. I then received a letter in the mail a couple weeks later that they would close the account and send me a cashiers check in the amount for the account. I never received a thing. They even kept money deposited from job. All of the funds are legit and can be verified. Which I did via the dept of education can see the checked was cashed. When I called to get a mother one issued. All of this occurred in XXXX Ive tried being patient but life has a funny way of working. Especially when youre a victim of theft. I still have the stubs and actual checks. I have the ones after these that were deposited and had zero issues with my other bank. I just want my money and to stop big corporations from robbing little people like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early in XXXX, I requested a copy of my credit report from Experian and discovered one of my son 's accounts appeared on the report. I called Experian to have that account removed. Unbeknownst to me, Experian also removed my principal credit card in error from my credit report. I have been trying to get Experian to reinsert it since then. Numerous phone calls to Experian have yielded no result. I was told by Experian that, since the creditor was XXXX XXXX, I would have to contact XXXX XXXX  to have that account reinserted to get the account back to Experian. I contacted XXXX and was told that they could not do that ; that the account was deleted due to a dispute by the consumer. This is not true. This is Experian 's error. 
The credit card account that they deleted is my principal credit card ; the only one I use. It is the backbone of my credit score, which is suffering right now due to its absence from my report. I have had this account since XXXX, and I pay this account on time and in full every month. My record is spotless. 
I have contacted Experian numerous times ( they have records ). Today alone ( XX/XX/XXXX ) I spoke with no fewer than 7 people there, to no avail. I need this issue resolved.
Product: Credit reporting or other personal consumer reports

Please remove the following inquiries because I did not authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed the debt company posting XXXX on Equifax credit report without any proof or reason for any balance due. Starting date XXXX have provided numerous bank statement copies of money withdrawn of monthly dues of my two year contract with XXXX XXXX and never received any statement from XXXX of showing balance is due.With XXXX  services I only had basic internet services for my daughter to use for after school homework with a monthly balance of $ XXXX policy is you prepaid the month advance. I been disputing with them. XXXX XXXX XXXX can not give me any proof or reason for any debt owned only replying to me that are collecting a debt.XXXX has no prier balanced owned to them.The company brings up an issue that has been resolved and in the mean time my credit score decreases because of the neglects.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I forwarded {$400.00} via XXXX to a supposed delivery company claiming the name " Rush Delivery Experts. '' The website for this delivery company that appeared to be valid was : https XXXX XXXX The delivery company was supposed to deliver two miniature dachshunds that I had adopted from an individual who also turned out to be a fraud. I used XXXX for the adoption fee and that money was refunded to me. 

For the {$400.00} XXXX payment, I was instructed by the delivery company to use the following information : Phone Number : XXXX Name : XXXX XXXX When I entered this number to make the {$400.00} XXXX payment, XXXX showed the name : XXXX XXXX, which was the name of the person I was told had charged the adoption fee for the pets. I was also asked by XXXX if the recipient was a person or a company. As instructed by the delivery company, I entered in XXXX that the recipient was a company. 

Within two to three hours of making the {$400.00} XXXX payment, I realized that I had been defrauded and immediately called the Bank of America on XX/XX/year>, to report the fraud and request that the recipient be investigated and my money returned. The Bank of America representative said my request would be investigated and decided upon within 90 days. On XX/XX/year>, I received the attached document from the Bank of America saying " We've completed our evaluation and are unable to approve your claim. '' I did block my name on this attachment since the instructions say not to include personal information. 

I also have XXXX pages of text exchanges with deliverer fraudster that I would be pleased to send to you if you beleive that would help.