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

PLEASE BLOCK AND REMOVE I request that you quickly eliminate the unauthorized inquiries from my credit report, as they were not made with my permission and are causing me significant distress.
Product: Debt collection

XXXX is still reporting on my credit report for over 7 years
Product: Mortgage

I have been working with the XXXX XXXX XXXX to pay my past due mortgage balance. They submitted payment on XX/XX/21. This has not been applied to my account. My mortgage is held by XXXX XXXX XXXX XXXX and serviced by XXXX. I have contacted the servicer regarding the missing payment and incorrect mortgage statements. I called on the following dates and spoke to representatives and the statements still haven't been corrected. XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21. I have spoken with the servicer seven additional times in XXXX in an attempt to have them respond to the XXXX XXXX XXXX. They provided then Program with an incorrect monthly payment amount and still have not corrected this information. My loan is still being reported as unpaid and past due. I have spoken to customer service, loss mitigation and collections. No one is able to take accountability or solve the actual problem. They do not return follow up calls even though they say they will
Product: Debt collection

Central Portfolio Control has repeated texted and called me regarding a debt for someone named XXXX XXXX. Their agency number is XXXX. They have called me from numerous numbers less than an hour apart and when I tell them I am not XXXX XXXX they hang up and call right back. The last person I spoke to refused to from Central Portfolio Control used abusive and threatening language and raised their voice at me over the phone while I was waiting for my second interview at a new job. My potential employer heard this, and I believe it is the reason I was not hired.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 I requested LexisNexis ( LN ) investigate negative information reported by the US Bankruptcy Court in the file maintained by my social security number. I challenged the accuracy, compliance and reportability of this listing. I sent a certified letter to LN. LN received the letter on XX/XX/2018. XX/XX/2018 LN responded to the letter stating to date we have not received a response to the dispute from XXXX, XXXX and XXXX. XX/XX/2018 I requested that LN update the letter stating that the information have been deleted or confirm that it is not in their data bankruptcy. The credit bureaus did not respond. LN did not correct or delete the information. XX/XX/2018 , LN responded with a resolution letter stating that bankruptcy case number XXXX is accurately reporting. 
LN is reporting a Chapter XXXX beyond 7 years of the filing date. 
LN is reporting my name is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and my social security number is XXXX. I am requesting that LN delete all names and addresses associated with the names and social security number.
Product: Credit card

I was trying to get a loan through my bank and was notified my credit was very low and was notified that I had to pay off two of my credit cards that I had no knowledge that were in my name I was given the information from the card companys database : Capital one opened XX/XX/XXXX with an outstanding balance of {$470.00} the person who pulled this card reportedly stopped making payments on the card on or around XXXX of XXXX The company has not gotten back to me after making numerous complaints
Product: Debt collection

Credit Acceptance is reporting an account on my consumer reports and they have yet to verify and validate the debt. I submitted a request for them to send me an authenticated record of the account pursuant to XXXX XXXX XXXX XXXX XXXX which states that the recipient must respond to the request within 14 days. It has been over 14 days and I have not received a response. I have requested that the XXXX XXXX XXXX ( also referred as XXXX XXXX or XXXX XXXX ), a copy of the 1099-c that was filed for the account, the truth in lending disclosures, and the opt out disclosures. I have also requested that they cease all communication both directly and indirectly which includes consumer reporting. Please see attached.
Product: Credit reporting or other personal consumer reports

These companies failed to properly update remove this account after it was removed from my collections
Product: Checking or savings account

On XX/XX/year> I went to Rockland Trust at XXXX XXXX with a friend. The teller introduces us the Rockland Trust has a promotion. If you open a checking account and use a debit card for XXXX times and any amount during the sixty days. You can earn {$200.00} bonus. I asked the teller " you can use the debit card even {$1.00} or less '' The teller said that to me " YES and any amount. '' Since I opened the check accounts and use more than XXXX times during the sixty period. I meet the requirement. Two-month later I still did not get the bonus. I went to the bank, the teller told me '' I should talk to the manger. The manager was not here now. I leave the phone number. The manager had not called me. I went to the XXXX branch more than XXXX times. The manager was never in there. Finally, the teller told I have to use the debit card for minimum for {$15.00}, I said the " you told me before. I can use the debit card any amount. '' He faces just turned red. I have the witness. The Rockland Trust employee such behavior which I believe was unfair.
Product: Student loan

I didnt know there was an agency to make complaints in regards to this. I have been filling paperwork out for at least five years in regards to getting a discharge. I am XXXX XXXX, and I am unable to make any payments at all. I am on Social Security XXXX and can not make any payments at all. They tell me each time that they have not received them. At this point I dont know what to do. This is in regards to the Navient company.
Product: Debt collection

My car was due Thursday brite financial is calling me on every phone number listed to harass me. I attempted to make a payment arrangement for the following week and it was denied because i cant make a partial payment. They told me they can call me every day as often as they like until account is current. Its 2 days over due?
Product: Credit reporting or other personal consumer reports

Subject : Follow-Up on Credit Reporting Issue Request for Resolution Dear CFPB I hope this message finds you well. 

I am writing to follow up on my previous complaint regarding the incorrect charge-off entry on my credit report associated with XXXX, account number XXXX. As detailed in my earlier communication, the charge-off entry is erroneous and does not accurately reflect the status of my account. 

To recap, the key issues are as follows : XXXX. The charge-off entry is inaccurate because the account was charged off and subsequently sold to XXXX XXXX XXXX XXXX Despite this, the charge-off entry remains on my credit report. 
XXXX. The collection account associated with this account was ceased by XXXX XXXX XXXX on XX/XX/year>, and should no longer appear on my credit report. 
XXXX. I have provided supporting documentation, including records of the account sale to XXXX XXXX XXXX, cessation records, and a screenshot of the account on my Equifax Credit Report. 

As of today, the erroneous charge-off entry has not been updated or removed from my credit report. This has resulted in ongoing inaccuracies that could negatively impact my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ), accurate reporting is a fundamental right, and it is crucial that my credit report reflects the correct information. 

I kindly request an update on the status of this investigation and the steps being taken to resolve this issue. If additional information or documentation is needed from my end, please let me know, and I will be happy to provide it promptly. 

Thank you for your attention to this matter. I appreciate your assistance in ensuring that my credit report accurately reflects the true status of my accounts. 

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

In accordance with the Fair Credit Reporting Act, the XXXX Account # XXXX has violated my rights.

15 USC 1681, Section 602 states that I have the right to privacy.

15 USC 1681, Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instructions.

Additionally, 15 USC 1666b states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are reporting showing an Inquiry, that I is not authorized, nor have permissible purpose, nor have written authorization for the following inquiry. 

XXXX card XX/XX/2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX  are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and I have never received ANY communication from the bureaus to show that my multiple requests are being looked into. My most recent credit report shows the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. XXXX and XXXX  are not investigating these negative accounts that are reporting. They show the following accounts as not in dispute, when in fact ALL of these accounts are in dispute. XXXX XXXX partial account numbers XXXX ; XXXX ; and XXXX. ( Please see pages attached from my credit report. ) All of the above referenced items are in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. Again, I have contacted the bureaus multiple times to review these accounts however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called transunion to have some inquires removed due to a server error. These inquires are as follows : XXXX XXXX XXXX XXXXXXXX XXXX via -XXXX XXXX  XXXX XXXX XXXX via XXXX XXXX  -XXXX  XXXX XXXX  -XXXX  XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX Customer service would not take care of the negative inquires reporting to the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a account from XXXX XXXX # XXXX, XXXX/XXXX # XXXX, XXXX XXXX # XXXX That is still showing on my report that should already be deleted. My address is XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ALL THESE ADDRESSES ARE NOT ACCURATE PLEASE DELETE. 
I have a unverified public record that needs to be removed XXXX XXXX COURTXXXX DOCKET # XXXX it is not to my knowledge listed properly please delete error. Then there is this account XXXX XXXX XXXX XXXX # XXXX I do not recognize this company never had a contract for business and never heard of them please delete.
Product: Debt collection

Calls from General Revenue XXXX on XX/XX/23 at XXXXXXXX XXXX, XX/XX/23 XXXXXXXX XXXX, XX/XX/23 at XXXX, XX/XX/23 at XXXXXXXX XXXX and XX/XX/23 at XXXXXXXX XXXX Finally spoke to XXXX and was told they were placing an obsolete, time barred debt into collections with the CRA . Requested to be removed from their calling registry and informed them they were in violation of the FDCPA.
Product: Debt collection

I had a debt with comenity Bank due to my XXXX XXXX XXXX  being sent to collections in the amount of XXXX. The debt was transferred to a debt collector by the name of XXXX XXXX 

On XX/XX/XXXX, I made a settlement payment in the amount of {$1300.00}. Was told that this will reflect on my credit report and they will notify comenity as well. 

I checked and noticed this was not updated as said. I disputed said account with XXXX. However, comenity did not reflect the status to show that the debt was settled. However, reflects that the amount is charged off at XXXX and written off. 

XXXX refuses to redispute. I'm simply asking for my account to reflect accuracy of payment. 

If they continue to report as if I never made a payment or tried to resolve, why would I have even bother to do so? Is extremely frustrating so I'm asking for your help in this matter.
Product: Debt collection

Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid. 
I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line. 

ERC reference number to this debt is XXXX. 

Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full. 

Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL
Product: Credit reporting or other personal consumer reports

I never took out any loan with XXXX XXXX. I have requested the contract and terms and conditions to which they will not provide. This company received my private information commuting identity theft & securities fraud. I never applied for anything which is why they can not provide any application or any documents at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to login to https : //www.innovis.com/ to unfreeze my credit report. After I provide my correct user name and password, it asks me to send a code to my current phone number. I approve and receive a code. However, the web page says that the " The phone number selected is not available for passcode delivery. Innovis indicates other phones may belong to you. If so, please select another phone and try again. '' None of the listed numbers belongs to me. 

I called their customer service to resolve the issue, and I was given the run around. Their service is in India and the agent could not resolve anything. After waiting on hold forever for a supervisor, I was sent to a voice mail. This is time sensitive and this company needs to do a better job.
Product: Money transfer, virtual currency, or money service

I am overly disappointed with this company 's actions. I have been approved for funding by the SBA and this company is my lender. According to the SBA, once approved, the SBA requires lenders to disburse funds within 10 calendar days. It has been 22 calendar days since I received my approval and I have yet to be funded. I've tried several times to contact CPF and they don't answer or give any updates. I need my funds deposited into my account immediately as my company is in dire need.
Product: Student loan

I made multiple payments to Ed financial that came out of my bank account and my loan balances are not updated or are partially updated. 
Most recently I made a payment on Friday XX/XX/23 for {$250.00} divided between 5 loans. The amount came out of my bank account on XX/XX/23. The updated balance only removed {$100.00} and when I looked at the break down of the payments only two payments of {$25.00} dollars came out of two loans. Interest amount remained the same. So there is XXXX dollars missing. 
XX/XX/23 I had {$25.00} payment removed from my account with no difference to my balance to a loan that is without interest. 
XX/XX/23. I had a {$50.00} payment removed from my account which also did not change my balance or interest and some are from my interest free loans. 
I make weekly payments, most without problems until recently. Due to this my interest amounts are inaccurate and is accruing interest based on a larger owe amount instead of a lower balance. 
I did attempt an email with no response. The online chat with the agent has been unavailable. Calling the toll free number has been a hassle with over XXXX minute wait time. There is an option to have a call back to which I have yet to receive a call back.
Product: Credit reporting or other personal consumer reports

I did not consent to nor benefit form the following inquiries on my consumer report : XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. 

This is a new complaint, do not mark as a duplicate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not belong to me and is being reported on my account. I want to have it removed.
Product: Checking or savings account

On XX/XX/XXXX I received an email stating that citi bank was closing my account. It has been 60 days and Ive called and spoke with over 20 reps. No one can tell me why they are closing my account or why the account has closed. This company is refusing to follow the federal guidelines outlined by the regulatory body for financial institutions. Citi bank representatives have hung up the phone on me and refused to answer my questions. They have denied me access to my money in the middle of a pandemic and no one seems to care. I feel XXXX XXXX by this bank and will be moving forward with legal action if these accounts are not closed immediately! The bank is also refusing to give me my money
Product: Checking or savings account

I had XXXX active accounts open with chime financial - Credit card, checking account, and savings account. 

I received an email on XXXX from Chime financial, that states we have decided to close your XXXX XXXX XXXX Credit Card Account, Savings account and checking account effective immediately, Your account was closed for the following reason ( XXXX ); * Account does not comply with the member agreement At this time you are not eligible for a refund of any remaining account balance please contact chime member services about this decision at XXXX ( XXXX ) XXXX. 

I received an email stating to upload personal information such as and Govt ID, license and I did that twice. 
I called the chime member services numerous times and XXXX rep stated i will receive my refund and the others states I am not eligible. They state they are unable to explain exactly what I did wrong.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 


15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is one I can't find the answer for anywhere. I have excellent credit and until recently have had no issues when applying for credit. In the past two weeks, I have had two separate creditors tell me that my credit report is frozen and that I must unfreeze it for them to process their application. One was XXXX, with whom I have an existing credit card account that will show me my credit score ( in the 800s ) at any time, but the agent said she couldn't access that. I spent hours on the phone going back and forth between XXXX and Experian ( which is where they were trying to access the report ), and finally had a conference call with agents from each company. Experian told the XXXX rep that there is no freeze or lock, and the XXXX rep insisted there was. Experian gave XXXX a number to call to a different department, which the XXXX rep says she had tried before and got an automated response. She at this point refused to try any more and kept telling me I had to get Experian to unlock my reports, and that there was nothing more she could do to help. Based on the insistence of the Experian agents, I assumed there was a problem at XXXX and gave up. Tonight I had a different creditor, XXXX, tell me the same thing online : they can't process my application until I unfreeze my account. I have checked with Experian, XXXX, XXXX, and they all say my credit reports are not frozen, locked, and none have a security alert, that everything looks fine. But with 2 creditors telling me I'm frozen, where do I go for help?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account NATIONAL CREDIT SYSTEMS INC Opened Date XX/XX/2017 which has been deleted by XXXX  and XXXX. XXXX and XXXX have both completed their research and determined that NATIONAL CREDIT SYSTEMS INC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company  they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Vehicle loan or lease

Capital One, with the help of XXXX XXXX, recommended that I purchase an automobile that had serious mechanical problems and was illegal to drive in the state I live, according to the Arkansas State Police. The dealership, XXXX XXXX XXXX, told me before I signed the loan paperwork that the vehicle had no mechanical problem, which is fraudulent.
Product: Debt collection

My Original debt is with XXXX from 2013. I do not deny that, in the amount of {$1.00}, XXXX. 7 years ago! Debt collectors buying bad debt has the debt looking like its a new debt. And The amount has gone from the original {$1200.00} to {$2.00}, XXXX. How can this happen? I have disputed this many times only to get a letter stating the debt is VERIFIED. Verified by who? The debt collect? This amount is not correct and neither is the date of the debt.