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

On XX/XX/2021, I filed a dispute with Experian, XXXX  and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX  card partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full in XX/XX/2019 in the amount of {$12000.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be updated to report accurately. I have contacted the ( 3 ) bureaus to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

My insurance company reported to me that my rate was not the best because of my XXXX Report which was supplied to them by LexisNexis. I contacted LexisNexis on 4 different ocasions over 2 months asking them to send a hard copy of my report to my home address. I was told it was resent each time I Spoke with them. I have case numbers : XXXX and a confirmation number XXXX. 
As of today I contacted them and asked for a supervisor and that they send the report via certified mail. I was told that all they could do is resend via standard mail and they denied allowing me to speak with a supervisor. 

Original dates of contact and request for a report were : XX/XX/scrub>XXXX XXXX XXXX XXXXXX/XX/year> and XX/XX/year>
Product: Credit card or prepaid card

Discrimination of honoring my Promotion and refusal of a Management complaint! 
All is recorded! 
On XX/XX/XXXX I called 3 times to speak with 3 different customer service representatives that were available and ready to assist me with my Balance Transfers in regards to the statement I received. With the XXXXrd representative she took all of my information over 17 minute call and stated allow up to two weeks for the banks to receive the checks, that was it!!!! Whats disgusting and disturbing after to speaking with 3 customer service representatives about my offer 0 % interest rate with a 3 % balance transfer one time fee, ready to process stating its still available with no problems on XX/XX/XXXX XXXX XXXX Employee ID # XXXX calls me. I have two voicemails and we both have recorded conversations between her and I on today! Its unprofessional for her to call me to inform that XXXX XXXX her manager states, he will not accommodating my Balance Transfer after the representatives stated, it was available on XX/XX/XXXX the only problems that could occur is if I gave them the wrong credit card number & address information ( thats it thats all ). Nothing in the recordings from the representatives state the promotion has ended or will be a issue if it has ended!!! This is the second time UMB has stated something is offered to me and I was lied to. Its unprofessional and deceiving that Ms. XXXX and XXXX XXXX did not honor the transfer I am exhausted and disturbed by this whole unprofessional/unorganized staff! I dont work for UMB and should not spend hours of my day going back and forth with a deceitful management team that lacks leadership, empathy, training and honesty! I asked several times on the recorded calls for higher management where I can have a conversation with this matter and was deceived that one would call me and didnt! I have on recording where MsXXXX XXXX states I can waive the 3 % balance transfer fee with a high APR rate, but not give you the 3 % balance transfer fee 0 % interest rate to XX/XX/XXXX, but earlier in the conversation you cant offer me anything again the lies/deceit! Dont insult me with ignorance I am requesting my promotion again the full promotion. Nothing less or they close my card without any negativity coming against my credit ( I know that a customer can be penalized for just closing their own credit card ; therefore UMB staff can close with ANY negativity reflecting a impact to my credit card they can close it )! I will never ever refer anyone to using or applying for this card because these people discriminate and take no accountability with their lack of customer service or promotions!
Product: Mortgage

My uncle XXXX XXXX XXXX died on XX/XX/XXXX, and i have been named personal representative by the XXXX County, Michigan Probate Court. There were 2 escrow refunds issued in his name after death by Ditech Financials, LLC, one XX/XX/XXXX in the amount of {$300.00}, which was refunded to the me as executor of his probate estate with a check dated XX/XX/XXXX in the amount {$300.00}. A second escrow refund check was written on XX/XX/XXXX in the amount of {$1000.00}, Ditech now refuses to issue a check or speak to me about a refund, since they have lost all of the communication and authorization after 3 months of inquires, with no communication from them. my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX
Product: Mortgage

Due to the age of the property ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ), several issues have risen since XXXX. In XXXX, an insurance claim was filed with XXXX for damage sewage piping causing major flooding in the crawl space of the house, affecting the master bedroom. Freedom Mortgage 's ( XXXX XXXX XXXX  ) XXXX XXXX Department XXXX XXXX XXXX '' XXXX the mortgage company, handles insurance claims documents and had this claim active in their database without ever closing it since XXXX. Repairs were completed and claim should've been closed. 

On XXXX of XXXX, another insurance claim was filed by the homeowner with XXXX for roof/water damage to 80 % of the house. Repair were completed in XXXX of XXXX. Checks were mailed to XXXX for processing and payout for the job completed by the XXXX ( XXXX XXXX Restorations, " XXXX XXXX '' ). However, XXXX failed to verify the XXXX claim was still active in their system since XXXX, never closing the old claim, and never updated their database with the new claim. This resulted in multiple unnecessary steps and actions that delayed the processing of checks, pertinent documents, and inspections for over 30 days ( and counting ) : XXXX. Checks missing endorsement were sent by XXXX to the previous XXXX from XXXX ( XXXX XXXX ) because the claim was never closed, resulting in delaying the procurement of those checks by the home owner and the delivery of them to the current claim 's XXXX for endorsement by XXXX weeks. 

XXXX. Required inspection of the property were delayed due to XXXX not informing homeowner of homeowner 's responsibility to request said inspection of the property in the previous times ( XXXX ) during phone conversations, delaying the inspection process and the payout of subsequent funds upon completion of inspection. 

Currently, no checks have been processed ( XXXX Checks still pending payouts ). Checks requiring processing and payout are : Check # XXXX in the amount of {$4900.00} Check # XXXX in the amount of {$7300.00} Check # XXXX in the amount of {$69000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 

XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXXXXXX XX/XX/XXXX {$2600.00} XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XX/XX/XXXX {$0.00} 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I settled a debt with XXXX XXXX in XX/XX/XXXX with the original debtor being Care Credit/XXXX XXXX. XXXX XXXX agreed after the settlement to remove their trade line, which they did. XXXX XXXX/Care Credit is still reporting the account late, but closed. I shows closed and charged off in XX/XX/XXXX, however, it is reporting late on my credit bureaus reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a number of inquires on my credit report that I did not authorize or sign for. I need these inquires removed immediately as it is negatively impacting my credit score. 

XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX XXXX XXXX  Finance Reseller Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous inquiries in my credit file ; however, there are still many inquiries that need to be DELETED. The credit bureaus must verify these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed inquiries be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I had financial hardships due to Covid -19 and contacted the company who told me they would not report it as late. I then see on my credit report it was reported as late.
Product: Credit reporting or other personal consumer reports

Im frustrated and disappointed by the inaccuracies on my report that are unfairly lowering my scores. These errors have already caused missed opportunities, and its unacceptable that Im being penalized for mistakes that arent mine.
Product: Debt collection

Credit Inc of XXXX, OR claims they sent one letter for a {$100.00} medical collection, I never received any communication from them regarding this debt, when I called I was advised she is sorry I didn't get the letter but I could pay the debt and it would still remain on my credit as a paid collection. It is completely unfair that a company can ruin someones credit over {$100.00} medical bill with no proof they sent you a letter. I have good credit and would never jeopardize my credit over a small medical bill. I also intend to pursue them in court if this is not removed. There company reviews online seem to have people saying the same thing.
Product: Debt collection

SRM XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX RE : Collection Letter SRM Account XXXX, XXXX Account XXXX CC : XXXX, Consumer Financial Protection Bureau To Whom It May Concern, In XXXX of XXXX, I received a collection letter from SRM. This letter referenced SRM account number XXXX and XXXX account number XXXX. I requested more information including who about the source of the debt, and on XX/XX/XXXX I received a follow-up letter ( copy attached ) confirming that the Responsible Party for this debt is XXXX XXXX XXXX 
I had previously discussed this with XXXX back in XXXX and with another collection agency, XXXX XXXX XXXX on XX/XX/XXXX. It is obvious that XXXX sold this debt to XXXX who has now sold it to SRM. 

I was a formerly employed by XXXX XXXX XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. My employment ended in XX/XX/XXXX. I was not an owner or corporate director. My understanding is that subsequent to my departure, XXXX XXXX XXXX, XXXX was rebranded as XXXX XXXX XXXX and moved their corporate headquarters from XXXX XXXX, CA to XXXX, TX. 

Any XXXX accounts related to XXXX XXXX XXXX were opened up as an employee of that business, under their direction, paid for by them, for their sole use, and their debts and obligations remain the property of that business and its owners or assignees. 

I have subsequently become aware that SRM has posted this information, incorrectly, to my personal XXXX credit record. It is abundantly clear that SRM is aware that this debt belongs to XXXX XXXX XXXX and not myself. As a collections agency, SRM should be fully aware that corporate debt is not the obligation of former employees, particularly where those employees left the company prior to the company incurring the debt. SRM appears to be blatantly attempting to apply corporate debt to my credit file in a knowingly fraudulent manner. 

I am formally requesting that SRM : immediately correct and clear the credit records of XXXX and any other credit agencies ; stop attempting to post corporate debt to employees ; cease and desist from contacting or bothering me regarding this debt. 
I have reported and disputed this with XXXX and have reported SRM to the Consumer Financial Protection Bureau.
Product: Credit card or prepaid card

In XX/XX/2020 I received a XXXX interest balance transfer offer from XXXX ( XXXX XXXX XXXX XXXX ) Visa. I called XXXX and asked them to transfer {$4600.00} to my PAYPAL Credit Card. 

XXXX said they had to mail them a check for this payment. They mailed the check to the incorrect address at PAYPAL in XXXX, GA when it was supposed to go to Florida. XXXX, GA cashed the check, but did not apply it to my account. This was on XX/XX/2020. I believe this may have been the Paypal Division and not the credit card company. 

XX/XX/2020 I called XXXX and they informed me that PAYPAL had cashed the check. I then contacted PAYPAL to ask why it wasn't applied. PAYPAL said they had lost the check. They then found it and paid off my account. At that time I had a credit balance of approximately {$170.00} when I viewed it online. 

On XX/XX/2020 I received a statement online from PAYPAL which shows that they have removed the check from XXXX and that I still owe them. 

I called Paypal Credit to ask them why my payment has been taken off. I was told that there was a problem and that I needed to write them a letter asking them to apply the check. I then called back later to get the address for this letter and was told by someone else that the check had been returned to XXXX XXXX XXXX XXXX. 

Today, XX/XX/2020 I called XXXX and spoke with XXXX. He said that they have not received any checks back from Paypal Credit and their records show the check as cashed on XX/XX/2020. He was appalled on the responses we have gotten from Paypal Credit to this situation. 

I called Paypal Credit back again and was told them what had transpired and was told that it will take 30 days to rectify the situation. 

I need this account paid off in full immediately. I am in the process of buying a home and this is showing a negative effect on my credit. Currently I am owing XXXX for paying off this Paypal Credit Account as well as Paypal Credit refusing to apply it and retaining my balance plus accumulating interest.
Product: Student loan

Navient reported my accounts as late and no payment received on my credit report for years while I was in school or supposedly had my loans in forbearance or deferment. I have been trying to get my report corrected for years including personal phone calls to Navient and letters sent by two separate credit repair services. These inaccuracies have kept my scores lower than they should be. This has caused significantly higher rates when purchasing cars and renting my homes. It has prevented me from getting mortgage loans to buy a house. I have continued to have to pay higher housing costs because renting is so much more expensive than owning. I have also had to deal with getting rejected for credit cards and having way higher APR for the couple I have managed to get. With all the loans I have, I have 20 missed payments on my credit profile. I have sent several letters to Navient myself along with the credit repair services and I have not heard anything from Navient. This is really hurting my credit and I want the late payments removed.
Product: Debt collection

I received a debt collection notice for a debt I do not owe. I called XXXX XXXX and was told that there was nothing due. 
I suspect a scam!
Product: Checking or savings account

On multiple occasions CITI BANK has allowed unauthorized transactions to be taking OUT of my account and when I call them its no help because the problem continues to happen, they also allow transactions to be taking out of my account while my card is locked and then charging my double and then I have to wait for days for a refund I dont understand what kind of bank operates to make more work for the customers I dont understand it, today XX/XX/year> in the morning hours I spoke to a representative about my account being - {$250.00} from 2 transactions that were adding to about {$100.00} MIND YOU my card was locked! I got my DDeposit this morning and they already took {$100.00} out of my account and the transaction isnt even showing we had to do a whole mini investigation for the agent to notice. I would like to be compensated and make a report!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX This account is listed inaccurately amongst all credit bureaus The " Date of Last Activity '' is showing a different date each for Experian and XXXX XXXX How was this verified if the dates do not match and are not identical? 

Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete. 

This hurting my credit profile and is a violation of my consumer rights. Please delete this account immediately.
Product: Credit reporting or other personal consumer reports

I have requested that XXXX  provide me with a 1099-C The company has reported the debt as charged off and has not provided me with a cancellation of debt notice. They continue to refuse to provide me with this information when they are reporting on my credit report that the debt is charged off, which means they have written off the debt on their taxes which means I am due a 1099-c.
Product: Credit card

I initially was provided with a credit card through Bank of America. I transferred a balance from another higher interest card. After I did that Bank of America reduced my credit limit multiple times even though all payments were made timely through auto-withdrawal. One payment was delayed for a few days because I had to close a checking account and reopen another due to fraud. 

Every time they reduce the credit limit it negatively impacts my credit report and credit score. This should not be legal if a consumer has paid timely with no issue with the company. 

The company basically is providing misleading information. I have spoken to the company and they indicated that the only thing I could do was to request that my credit limit be increased back to what it was and they may or may not grant it.

I would ask that my credit limit be increased back to what was originally provided so that it does not negatively indicate my credit report by reducing my available credit. I feel that I was taken advantage of by utilizing bait and switch by providing a certain credit limit. I would not have switched companies if I had known they were going to do this and would subsequent negatively impact my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian advertises Experian XXXX on the tv commercial but on the website it doesn't have a list of all banks and credit unions. But it also says on the website that you can use a credit card. My credit union is XXXX XXXX XXXX in Michigan and it isn't listed. I pay all my bills on time and would like to get credit for it. I use my checking account. I have seen other people commenting about how they can't use Experian XXXX either because their bank or credit union isn't listed or there are too many similar banks listed. You also have no way to contact Experian, and talk to someone about this issue. But I think all people should have access to boost their credit and not just some people. This service should available to all people. Experian should improve this on their website. The website could use some improving.
Product: Student loan

I have finished paying off my student loans ( Mohela is my service provider ) but can't get them to go away and also can't get a final payoff amount -- if even needed -- and keep getting charged interest on {$0.00} balance loans. 

If I click the payoff button, which is supposed to give me an amount, it just gives me info about mailing in a payment or doing one online, but no actual way to do any of this. 

I would love to talk to their customer service about this but none of the options work. I live abroad and none of the phone numbers, even the international one, work. I also can't do the message option -- it allows me to select a state and write a message, and then I get an error message " We're sorry - an error occurred. Please try again or come back later. '' I have been trying this for months now. 

It's completely irresponsible for a provider to have no way to contact them. They could also provide an email address, but of course do not. 

Mohela, the provider, has also been a nightmare to deal with the entire time they've been my servicing platform. The website is clunky and hard to use, they've moved me around and made me make new logins ( which sometimes don't work ), and in moving to the new website, my entire payment history disappeared. I can also only log in to their website if I click from my email ; I can't navigate directly to the site and log in. Same credentials, two different results, consistently. 

I would also love to complain to Federal Student Aid about it, but their website is inaccessible to me. I get " Access Denied. '' All in all, my experience trying to pay off my loans -- which should be a good thing and what the servicer and the government want -- has been incredibly frustrating and hard to do. Not to mention, no international cards or bank accounts work for this, so I've always had to transfer money to the U.S. and have a bank account there just to pay off my loans. It should not be this hard to do this -- it all feels like a scam to make it hard to do this and trick you into paying for longer, which is absolutely has done for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 Experian incorrectly reported late payment for XXXX.