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

XXXX  and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX, and Experian is reporting a collection/charge-off on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that is it impossible to be late in paying on an account that has a {$0.00} balance and since the account has a {$0.00} balance there is nothing to collect and/or charge-off. This false reporting of lates/collection/charge-off is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 6 student loan accounts that were forgiven under the Total and XXXX XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX. In XXXX, the Discharge Monitoring Process was completed and finalized. Now it appears that I have XXXX student loan accounts. The original XXXX that note late payments that were actually in forbearance, so they weren't really late because they were suspended. The six forgiven versions from Dept of Education aren't even correct- they show payments made and open - basically Experian is doing all kinds of sloppy. I've disputed online. I've called them directly. I've called Dept of Education. These original loans are from XXXX and XXXX and are fully and completely forgiven.
Product: Mortgage

I recently applied to refinance my mortgage. In the fall of 2020 I used the CARES Act to apply for & receive a forbearance on my mortgage. My lender, Citizens Bank, is requiring that I pay the entire amount due on the forbearance before they will process my refinance application. On XXXX, as of today, my house is listed at {$300000.00}. I owe {$8000.00} on the forbearance and {$140000.00} on the existing mortgage. Ive asked the lender to roll the forbearance amount into the mortgage balance as there is more than enough equity in the house to cover the outstanding amounts. They have denied my request without any explanation. They insist that I pay the forbearance amount before I can refinance. I think this is unfair and possibly illegal. If I could have paid the mortgage payments, I would not have requested the forbearance. Any help you can provide will be greatly appreciated. 
Thank you.
Product: Debt collection

Your response- providing only a bill- fails to meet the standard for sufficient debt validation as outlined under the FDCPA. A mere bill does not substantiate : 1. Proof that the debt is legally owed by me. 2. The original signed agreement or contract establishing the debt. 3. Clear ownership and transfer records, if the debt was sold or transferred. Without such verification, you are not authorized to continue reporting or attempting to collect this debt. Continued reporting of unsubstantiated debt constitutes a violation of 15 U.S.C 1681s-2 ( b ) ( mandating that furnishers ensure accuracy and correct disputed information ). In light of this, I am demanding the following : 1. Immediate cessation of any reporting of this unverified debt to the credit reporting agencies. 2. Written confirmation that the account has been removed from my credit file. Failure to comply with this demand will result in further action including filing a complaint with the Federal Trade Commission and my state 's attorney general 's office. I also will pursue legal remedies under the FDCPA and FCRA which allow for statutory damages, attorney fees, and other relief. I expect your full cooperation to ensure that my rights under federal law are upheld.
Product: Checking or savings account

In the month of XXXX, I sent my rent over to my landlord, and it was cashed up to my understanding. But later on, I realize that it was cashed by someone fraudulently it was not who my check was originally made up to it was made to a completely different entity, which I send out every month as you can see it is XXXX properties XXXX and it was cashed by XXXX XXXX what you could also tell that the check was altered from who it was originally sent you if you were to compare from the other checks from my previous months, you would see the difference and in my current months, he would also see if the check would be checked number XXXX and all Im looking for is a solution to be able to get my money back and have this rent paid. If not, I will definitely look into small court to be able to get this solved, and it wouldnt be any more for the amount on the check, it would be for more because I am being charge late fees from my landlord because of this matter. I have never made out a check to XXXX XXXX, so the fact that it is being mentioned that the check does not look altered. Please look into the check that was deposited and compare it to the previous checks of my rent which everything else matches perfectly except for the fact that the name was changed. There is also a report that the mailbox mail was stolen on the day that my check was put in the mailbox as this happened to another tenant in my building. Wells Fargo was not up to par protecting my funds as sometimes my debit card gets flagged for even XXXX dollars that I charge for fraud and it couldnt flag a check of over {$1000.00} made out to someone Ive never made out a check to. I request this to be fully investigated as XXXX XXXX has no relationship to me, and all my checks that have been sent to my right as it is shown at the bottom for XXXX rent it was not specified for anything else and it comes to be the same amount that it is every other month.
Product: Checking or savings account

I was scheduled to get a payroll deposit on XX/XX/year> however, Capital One usually deposit the check two days earlier, which would have been XX/XX/year>. It was not there on Wednesday, XX/XX/XXXX because of a technical issue they say and that it should have been there by Friday. Their issue should have been resolved by our normal payroll deposit date, which would have been XX/XX/XXXX however it is now XXXXXXXX XXXX And we still dont have answers nor a paycheck deposit just the same Verbiage online from Capital One of they are experiencing minor technical difficulty
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently XXXX XXXX AND EQUIFAX sites reports are all different with specific information. ON XXXX {$75000.00} in STUDENT LOANS are on the consumer report but when their actually calculated they sum up to {$67000.00} a closed account is being added to my loans on the XXXX SITE. During the pandemic all student loans have been in deferment so they should not have interest added, so what is being calculated? Then the loans do not show the same as all other loans across the board. MEANING EQUIFAX shows a total of {$7400.00} in STUDENT LOANS and XXXX shows {$72.00}, XXXX, while XXXX presents me having XXXX accounts on my credit and EQUIFAX shows 17 accounts open and closed XXXX XXXX accounts on my record. AGAIN, my question is why are ALL 3 CREDIT agencies REPORTING different amounts?!! The annual credit report pulled on XXXX shows that an account was charged off for ACCOUNT NUMBER XXXX at {$1100.00}, yet on the XXXX site I can not find an amount reporting but {$8.00} on the site not in the annual report. XXXX reported a charge off at {$1000.00}. EQUIFAX shows {$1000.00} was charged off. This Company XXXX provides the actual card number in the credit report which is a violation of my Consumer Protection Rights. XXXX IS ALSO A CHARGE OFF!! This should not be reporting. Transaction history of all accounts is also being reported all of this is a violation of my privacy. According to 15 USC 1692 ( a ) this shows excessive and abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices. Any CHARGE OFF is considered income which can not be reported on the credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my reportand I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus has not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 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
Product: Checking or savings account

Back in XXXX I ordered a computer from XXXX for a family friend. I was excited and it was for his birthday. Because it was shipped to his house he told me if it would be okay if he asked the carrier to leave it by his side door because he wont be home. So he did that. When he got home the package was gone. I called XXXX and they were no help, they said it was our fault we did not have it. I filed a claim with Chase because I did not know what to do. They gave me a temporary credit and said they would research the claim. Today XXXX XXXX they said they will reverse the claim because my claim was invalid and XXXX was correct, I do not have the item because it was never received. Now I will also lose the money. Please advise.
Product: Mortgage

On XX/XX/year>, I logged into my account to make a payment of {$1300.00}. I completed all necessary steps to initiate the payment and received a message indicating that the transaction was " completed. '' However, I did not receive a confirmation number for the payment. 

On XX/XX/year>, I logged in again to make the XX/XX/year> payment and noticed that my account reflected a past due status. I attempted to contact Mr. Cooper, which required multiple attempts due to their phone system and extended wait times. During this call, I was informed that Mr. Cooper had attempted to contact me to notify me that my payment was late. However, because Mr. Cooper 's outbound caller ID is disabled, I was unaware of these calls. For security reasons, I do not answer calls from unknown numbers. 

Upon becoming aware of the outstanding balance, I immediately paid the overdue amount of {$1300.00}, plus a late fee. On XX/XX/year>, I logged in again and made an additional payment of {$1300.00} to cover the XXXX bill on time. 

Mr. Cooper 's website appears to have had a processing issue, as I received a " completed '' message but no confirmation number. Despite this, I fulfilled my payment obligations promptly once I became aware of the issue and even paid the late fee. Mr. Cooper is now incorrectly reporting that I was 60 days past due. Additionally, Mr. Cooper 's practice of disabling outbound caller ID when contacting customers creates a risk of credit issues for customers who do not answer calls from unknown numbers, or exposes them to potential scams if they do. 

Despite multiple requests, Mr. Cooper has not corrected or made changes to any of the above.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

If I could give PAYPAL A NEGATIVE 0 I would ... I have been a PayPal user for a very long time and have never had any problems with them at all as a buyer. Due to Covid-19 I decided to start selling items on XXXX for extra cash to support my family ( I am a mother of small children ) and everything was going well all up until PayPal decided to limit my account with over {$5000.00} inside. At first it was only a temporary limit ( so they claimed ) until I could provide them with all of the documents they requested which was a picture of my ID and proof of fulfillment to my customers. I provided PayPal with all of these documents and waited a few days for them to reply thinking that everything would be okay just to receive another email asking for more documents such as my Social Security Card and Invoices from my supplier for proof that I am paying for the items that I am selling on XXXX. Shouldn't XXXX be worried about things like this? Anyway I replied to that email as well with a picture of my social security card and the invoices from my supplier and waited a few more days for them to reply back again. This second email from PayPal had me completely ( heart broken and devastated ) FOR NO REASON AT ALL they said my account had been permanently limited and I could no longer due business with PayPal in the future and that they will be holding any available funds in my account for 180 days. This is completely insane and fraudulent, how they are able to continuously do this to people and get away with it. I worked hard everyday to earn that money and they are keeping it away from me for no reason at all. If there were any problems with my account why didn't they inform of this before? The problem only came in once I tried to withdraw the funds from PayPal and add them to my own bank account. I DO NOT CARE TO DO BUSINESS OR HAVE ANY ACCOUNT WITH PAYPAL EVER AGAIN BUT I WOULD LIKE FOR THEM TO RELEASE MY FUNDS. The {$5500.00} that I worked my XXXX off everyday for and earned is what I want because it belongs to me not PayPal and they shouldn't have any rights at all to hold it for 180 days. This is ridiculous I do not and would not ever recommend PayPal services to anyone. I have moved on to another marketplace which I am happy with and XXXX  also allows me to continue to sell. I can not believe PayPal is doing this to hundreds of people and nothing is being done about it.
Product: Debt collection

I received an alert that XXXX XXXX XXXX put a collections account in my credit report. I contacted the company and a rep named XXXX answered the phone. I told him about the amount. It stated that my highest credit limit was {>= $1,000,000} and it was incorrect. He then stated that the credit bureaus must have typed that information in. I then asked for verification of the amount owed and the original amount of the debt. He then told me that he was not he was not going to send me out any paperwork so I can decide if I want to pay. He told me that I shouldnt have went into Conns with the intent of stealing or not paying for the merchandise. He then hung up.
Product: Mortgage

I have Home Loan from Newrez LLC, So there is problem with Escrow payment, of XXXX Dollers. 

This payment is for XXXXTax Bill which i paid from my bank account, and New Rez also deduct same amount from my escrow account.on date XX/XX/2020 and after that XXXX county sent that check back to New rez.i have copy of letter from county.

and i am calling newrez from last one, but no body want to give my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX  should not be reporting that I am ( 120 ) days late on the XXXX XXXX   partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Passport for identification purposes to investigate this complaint. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting

I am a victim of identity theft and someone opened a XXXX Bank checking account using my personal information and stolen identity. The XXXX Bank checking account # : XXXX and the following inquiries removed from my consumer report : XXXX XXXX and XXXX
Product: Money transfer, virtual currency, or money service

Capital hasn't released my direct deposited paycheck and now I can not pay my bills that are do and now I am receiving late charges for the said bills.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I filed a dispute with Transunion and I was informed that the dispute was completed and it appeared to have changed in my favor. However the day I was notified that the dispute was closed my score went down XXXX points. When I called Transunion I spoke to a XXXX who upon taking my information all of a sudden went silent. I asked if she was there and of course the line was dead. I then called back spoke to XXXX went through everything and still could not get a direct answer, when asked for a supervisor he transferred me right back to himself and stated his name was XXXX which is a coincidence and he kept going around and around never answering why and gave me a wrong file number from the dispute. I am furious I am being given wrong information and I need someone to help me make sense of what happened and what could have changed the score XXXX points when nothing in my life changed that significantly. I asked for a XXXX he said he was the highest level there was and I am really upset to be treated like this. I understand the bankruptcty in XXXX XXXX left a negatice impact on m report but now I am being told it has a negative impact twice for the sane thing. XXXX kept trying to make me purchase XXXX credit report and basically would not work with me and my request to have a XXXX to talk to or a higher level of support.
Product: Credit card

Capital One Credit card through XXXX 's We always pay this card through our XXXX  XXXX XXXX on line bill pay. 

A payment of {$52.00} was made to Capital One XX/XX/year>. 
Capital One denied receiving payment. 
I submitted multiple records and XXXX  statements that payment was made. 
There was considerable phone conversations with various Capital One departments I also had a few conference calls with XXXX and Capital One. 
XXXX explained the situation. I also send Capital One a copy of the XXXX  check. 

To this day they have completely ignored the facts and have been charging me with late fees and interest which now amount to over {$160.00}.
Product: Credit card or prepaid card

XXXX claims that my purchase valued at {$2500.00} was delivered by XXXX  to my home address and signed by me on XX/XX/2022 at XXXX pm. However, I didnt receive the package, let alone signed for it. Ive tried to file a missing package claim with XXXX but I was told only XXXX, the shipper, could initiate that claim. When I contacted XXXX, they refused to do so without providing me with any reasonable explanation why not. Then, I contacted Amex, my credit card company, and filed a charge dispute and provided them with proof documentation from my employer that clearly showed on XX/XX/2022 I was at work from XXXXXXXX XXXX to XXXX XXXX located XXXX miles away from my home address. That clearly disproves XXXX allegations that I personally received and signed for the package. In short, Ive never received the package and unable to file a missing package claim, sadly, neither XXXX, the merchant, nor Amex, my credit card company take my complaint seriously so I hope you do. Amex clearly states that Im not responsible for merchandise I didnt receive. Facts speak for themselves. Ive provided them with indisputable evidence that I didnt receive the merchandise I ordered.
Product: Credit reporting

I have a listing as XXXX XXXX XXXX on my Equifax Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Bankruptcy and a XXXX card! I attached what I received back from Experian account on my credit file that does not belong to me! Experian keeps saying its verified without any information to support this claim! I do not or ever lived at the address on my report of XXXX XXXX in IL!! This is fraud and a Identity theft report was sent to Experian!! XXXX was 2 times a request to delete was sent and no reply but verfied I attached a pic of what Experian keeps telling me
Product: Credit reporting or other personal consumer reports

" This is not my account. I have no knowledge of this account. 15 USC 1681b I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I May Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists This are the listed accounts 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

My complaint is with Trans Union credit reporting agency. For years I have tried to get my report online. They deny me every time stating that they can not confirm my identity. I called the number listed and tell them that when I answer their questions to get my report I am answering the question correctly but the information they have about me must be wrong, consequently they think I am giving wrong answers. I have tried and failed to get them to change my personal information and fix the problem, but they refuse. They don't believe I am who I say I am. Whomever gave them the information to cause this problem must have given them the wrong information about me. These companies have too much power over our personal lives when they report information about us that is wrong. And yet I have no power over this unfair situation.
Product: Mortgage

Faye servicing has indicated about a balance I owe on the property and due to covid I was having a hard time paying it. I am finally able to pay but FAYE will not pick up their phone or if they do they hang up or send to Voicemail ... .I am 3 days away from froeclosure according to the lender who has reached out to me. Servicing a loan can not be this bad where they push you to FC even though you want to pay and catch up
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Product: Credit reporting or other personal consumer reports

Account on credit report is showing a discrepancy in last payment date of XX/XX/year> and XX/XX/year> which is a violation of FCRA laws ( 15U.S.C 1681e ( b ) ).

Never receive a 1099-C form from original creditor ; under the IRS definition of charge off it has become a canceled debt and has to be reported on my income. 
The original company, XXXX XXXX  XXXX sold my account to XXXX XXXX XXXX without verifying me and without disclosing their responsibility which is a violation of FCRA laws ( 15 U.S.C. 1681e ( d ) ) The company, XXXX XXXX XXXX, is not bonded nor licensed to collect in my state of South Carolina. 
Please delete account off my consumer report due to violations and inaccuracies.
Product: Credit card or prepaid card

XX/XX/2020 PHONE ACCESS UNAVAILBLE NO ON LINE ACCESS XXXX USAA Rep XXXX only works inside app on line UNABLE TO TURN XXXX ON UNTIL I AM VERIFIED. I CAN NOT ACCESS TEXT CODE WITHOUT XXXX READ BY USAA AND IT CAN NOT TURN ON. USAA does not provide on line OR PHONE ADA ACCESS.