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

XXXX reported me delinquent in XXXX and XX/XX/XXXX. They claimed to have sent me emails and mail concerning payments that were due but I never recieved them. I have not changed my address or email address as they try to say I have. I have had my gmail account dating back past XXXX. When I spoke with XXXX they said my payments weren't due for 6 months or unless I was reenrolled into school. When I spoke with them over the phone they have no explanation for why this was not the case and claim they do not have a record of me contacting them. I have been told by XXXX that I had no payments due, that my account was up to date, and I would have no payments due. This was inaccurate information as they have put me as delinquent for those two months and have significantly lowered my credit for it. I have never made a payment to XXXX because I have been finishing my degree and have always been up to date with my loans since I have had them as my loan servicer since XXXX. The company claims that even though they gave the wrong information they won't change their reporting and I would have to prove I was in a " coma/dying in a hospital or active military '' during the time they claimed I was delinquent. I was enrolled in school Fall XXXX and Summer XXXX and was told my payments weren't due until XX/XX/XXXX unless I was enrolled in school which I was by XX/XX/XXXX at the University XXXX XXXX XXXX  which was before my first payment was due. This delinquency is inaccurate and they refuse to take accountability for their mistake and remove this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN PREVIOUS COMPLAINT REGARDING XXXX XXXX XXXX XXXX ( XXXX ), THEY ALLEGED THAT THE ( XXXX ) DID NOT RECEIVE SUPPORTING DOCUMENTS TO DISPUTE A CLAIM OF AN OUTSTANDING BALANCE OF THE ACCOUNT IN QUESTION. I HAVE ATTACHED MY BANKING STATEMENT FOR THE AMOUNT OF {$490.00} DATED XX/XX/XXXX,2011. AGAIN, MY PERSONAL BANKING STATEMENTS WILL CONTINUE TO SHOW THE {$490.00} AS WELL AS THE {$7700.00} WHICH REPRESENTED THE PAYOFF OF THE LOAN. ALSO, THE CONFIRMATION FROM MY PERSONAL BANK AS STATED IN THE ( XXXX ) RESPONSE.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per XXXX XXXX effective immediately and indefinitely. WELLS FARGO BANK XXXX
Product: Debt collection

They call while at work and early in the morning before work... I don't know the exact dates and time but I will keep track of the calls for now on!!!
Product: Debt collection

PORTFOLIO RECOVERY is trying to collect on an old debt in the amount of {$1200.00}, that was discharged under Chapter XXXX Bankruptcy in 2012. The original creditor is XXXX XXXX XXXX XXXX and the account is closed. Portfolio Recovery has continuously called and threaten me, and continue to use profane lanuage in its telephone calls to me. I have asked repeatedly that Portfolio Recovery and its agents, representatives stop calling and trying to contact me, to no avail. Portfolio Recovery continue its attempt to collect on a debt that is not owed. Further, I do not have a Consumer Contract/Agreement with Portfolio Recovery and owe them nothing. Portfolio Recovery has damaged my credit by placing this debt with all three credit bureaus and updating stated debt every month in order to further damage my credit. 

Portfolio Recovery does not use account numbers. This account is a duplicate account of its account reported to the three credit bureaus in the amount of {$710.00}, that has also been discharged under  Chapter XXXX Bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. SYNCB/GAPDC Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The XXXX  credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo ( XXXX XXXX ) Acct. # XXXX On XX/XX/XXXX, I made a payment of {$300.00}, for the month of XXXX. Mid-month I received an email saying that on XX/XX/XXXX my payment was due. I immediately called Wells Fargo to ask why was I getting an email saying that a payment was due, when I had already paid XXXX 's payment ( See statement ). They said that when I paid the payment on XX/XX/XXXX, that was still during the XXXX statement period, therefore it was applied to XXXX 's payment, not XXXX. A total of {$560.00} for a minimum payment of {$250.00}. The Wells Fargo rep said that she, as a one time courtesy apply that payment to XXXX 's payment. I thought my trouble was fixed. 

According to the XXXX statement, ( See Statement ) no payment was made and there was now according to them a {$510.00} payment due ( that's 2 payments @ {$250.00} XXXX. So the promised, one time courtesy, was never honored. 

Then without my permission or knowledge {$510.00} was debited from my account, but returned, because there wasn't enough money to cover the unexpected, incorrect debit. My bank charged me {$34.00} NFS/return fee, and to add insult to injury, Wells Fargo charged me {$27.00} return fee. 

I called Wells Fargo on XX/XX/XXXX and they acknowledged their mistake and credited my account the {$27.00} return fee and they assured me that they would not re-debit my account for the {$510.00}. ( See pdf ) On XX/XX/XXXX they debited me again, and this time, the money to cover my monthly bills was in my account so the {$510.00} went through and posted to their account. I called XXXX, XX/XX/XXXX and today XX/XX/XXXX and feel that I am getting the run around. 

I am a retiree living on a fixed income. {$510.00} is a lot of money for me and I'm afraid my other bills will attempt to be paid and returned due to XXXX, because of their error and their inability to correct the problem in a timely manner. In addition, an automatic payment is due to come out of my account for the month of XXXX for the amount of {$300.00}. Making a the total for this month : {$810.00} for what should be only {$250.00}. 

I would like the {$510.00} returned to my account along with the {$34.00} NSF fee from my personal account. 

I was told this was escalated to an " Executive Case '' Case # XXXX and XXXX XXXX was assigned to the case. Phone number : XXXX ext. XXXX
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( TRANSUNION, XXXX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have 4 business days to block and delete the information.

I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.
Product: Credit reporting or other personal consumer reports

reviewing my credit report again the following accounts are fraudulent need to be deleted/removeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXexperian has not provided proof or validity of these fraudulent debts that were opened in my name
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  - account on file in error, was never delinquent, dates incorrect, Cased with state was closed by Custodial Parent,, all information incorrect, date opened, date of last payment, comments, date last active disputed this and it came back verified when clearly the information to both bureaus isnt event the same
Product: Credit reporting

There was a judgement issued through the courts for my son 's unpaid debt. The judgement was listed on my credit report. I called the Law firm that handled the judgement and verified the social security # and date of birth as being my sons. We both have the same name and address. I want his judgement removed from my credit report.
Product: Credit card or prepaid card

Despite paying the minimum payment on my Citi Double Cash card, my monthly statements show increases in the balances subject to interest and interest applied over the last four months. No fees were incurred, and the APR was fixed on a promotion. If I am paying the minimum payment with a fixed APR and no fees, my balance subject to interest should be decreasing since the minimum payment should cover the most recent interest applied plus some amount toward the principal balance : XXXX balance : {$4800.00} Payoff with only minimum due : 19 years Minimum payment due : {$95.00} Paid : {$95.00} XXXX interest applied : {$41.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$88.00} Paid : {$89.00} XXXX interest applied : {$42.00} XXXX balance : {$4700.00} Payoff with only minimum due : 19 years Minimum payment due : {$89.00} Paid : {$89.00} XXXX interest applied : {$46.00} XXXX balance : {$4600.00} Payoff with only minimum due : 19 years Minimum payment due : {$92.00} Citicard representatives could not explain to me why my balances subject to interest, interest charges, and minimum payments are increasing monthly if I am making minimum payments and the overall balance is decreasing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt buyer Portfolio Recovery is reporting an account on my credit reports that was opened XX/XX/2018 in the amount of {$340.00}. When it's disputed they are not verifying the account just continuing to report. I was incarcerated at the time this account was supposedly opened and I want it removed
Product: Credit card

Card was replace for identity theft charges was place on the card without my knowledge account was closed.
Product: Mortgage

On XX/XX/XXXX I opened a support case with Freedom Mortgage regarding a delinquent school tax notice I received. I sent them the documents I received stating XXXX was Due by XX/XX/XXXX Their Tax team conducted " research '' until XX/XX/XXXX and then sent me a message stating I did not owe anything and that my previous lender had paid all county/boro/school taxes for XXXX. 

On XX/XX/XXXX I received certified mail from an attorney stating I now owe {$4700.00} for my delinquent XXXX school taxes due by XX/XX/XXXX or I will incur a 10 % penalty. 

I opened another support case with Freedom Mortgage regarding this same delinquent tax. They have stated they will conduct another inquiry which could take up to XXXX business days.
Product: Mortgage

In XX/XX/2021 our buying agent suggested we contact XXXX XXXX, Mortgage Consultant. We were in the process of purchasing a home in North Carolina. XXXX was very helpful in the preapproval process. He called to let me know that we were preapproved. We did not get a formal approval letter. At that time, I asked if we needed to sell our current home first. He said we did not. We had a set preapproved amount to stay under. In XXXX, we wanted to bid on a house which was higher than our preapproved amount. XXXX called me and asked if we were going to sell our current house. I said that was the plan. We werent planning on owning two houses. All he said was if we got that house, we would have to show our current house as being listed for sale. During the two months we were part of the house bidding wars, XXXX was very helpful. He was very reassuring and answered all my questions. 

Unfortunately, the morning after we signed a purchase agreement for a house in North Carolina, which include {$30000.00} for due diligence, all that changed. XXXX told me he miscalculated and we would need to close on our current house before closing on our NC house. I tried to share with him that that would be impossible because closings in our state were taking 8 weeks or more to happen. What this meant for us was that we could lose our {$30000.00} DD deposit and NC house if we couldnt close our current house first. There arent lots of appraisers and big banks in our small state. He said there wasnt anything he could do. When I asked him why he didnt tell us that sooner. He responded that I should have known that because he would ask how it was going listing our current house. At no point during the preapproval process did he share this very important piece of information. 

Our nightmare of working with XXXX began that day, went for 45 days, and didnt end until 2 hours before our closing. During those 45 days XXXX miscalculated multiple items. As a bookkeeper, I would create spreadsheets and share supporting information to show him how his calculations of some of his numbers was incorrect. He never responded, however, at the end of the 45 days he did use my corrected numbers for his final calculations. 

During that time, I came up with a way we could remove the need to close on our current house before closing on our NC house. XXXX approved it. Unfortunately, he didnt ask how I was going to do it until a few days before our closing. Then his referred to a XXXX XXXX ruling saying we couldnt do it, however, when I looked up the rules it clearly said we could. I sent it to XXXX, but he didnt response and admit he was wrong. 

The thing I dont understand is that in the end he ended up using the same numbers from our preapproval without saying we needed to close on our current house first. 
Of course, at no point during the 45 days, did he actually say he was wrong about anything. We started the process in XXXX. Because of his constant errors we didnt get final approval until 2 hours before our NC closing. It shouldnt have taken 3 months to get final approval. It was a living nightmare working with XXXX XXXX!!
Product: Mortgage

I was reted XX/XX/XXXX through the Department of Veterans Affairs. That entitled me to stop paying taxes on my property resulting in a refund of {$1900.00}. Mr Cooper decided without consulting me to apply that to my following year escrow balance. Not having to pay taxes in 2024 also invalidates the need to have more money in my escrow. Mr. Cooper stated that no review of my escrow account would take place until XXXX of 2024 at which point they would have 2 years of taxes the state of Virginia will not collect and still no venue for me to revise how my escrow calculated. The refund was issued over a month ago, that should have been immediately forwarded to me as the tax payer. 

As far a future tax collection. Mr. Cooper is demanding a letter from the county satating no further taxes need to be collected before they will stop taking taxes even though my escrow balance is enough to cover the next calendar year property taxes already. 

No live person is available to speak to on any issue through Mr. Cooper 's phone system. That is a fake front, dead-ended in Automated loops.
Product: Credit reporting or other personal consumer reports

I have been trying to reach out your company for the past two months and I am disappointed because it seems that my efforts in trying to have these accounts removed are being ignored.
Product: Checking or savings account

Unauthorized atm withdrawals, refuse to pay back unauthorized merchant transactions, returned pension funds for insufficient check service, closed account before promise to pay on check hold that was verified by issuing bank, theft of check made payable to account holder, refuse to cash pension fund checks from XXXX XXXX XXXX gave me false information regarding account balance and refused to return endorsed checks payable resulting in threats of fraud made to Dept of Financial and Professional Regulations
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. Ive already included this report in my previous letter & I am including it again. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a credit card with this company for XXXX limit. I have tried to pay on or off this card for several months. 
I requested for a payments via the online service only for it to give me a confirmation page and confirmation email then a reversal of payment days later. 
I have spoken to the company representatives three times and they insist that I have have insufficient funds however I spoke to my bank and they report not receiving a XXXX request from this company. 

I have checked my banking statements for the days I requested payments to be credited to my account however I don't see this company request in the statements nor do I see a bank charge for insufficient funds. 

I have requested payments to be made on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these payments were not process through my bank even though this company representative stated I have insufficient funds. 
Each transaction the company charged a late fee, interest as well as negatively impacted my credit report. 

I have spoken to my bank and they state they have no transaction at all and I gave them the dates listed above. 

The first time I spoke to a representative they told me insufficient funds I spoke to my bank and the I went to the online website and entered the payment information a second time. 

The second time I spoke to a representative I attempted to explain the situation and put me own hold and then hung up. 

The third time which is today XX/XX/23 I spoke to a representative the once again told me I had insufficient funds but after I continued to explain he told me first to re-enter my payment information which I had already done by this time and then he told me a supervisor would call me and then hung up. 

I will provide any and all information as needed for this complaint upon request.
Product: Bank account or service

Regarding case # XXXX with BBVA Compass Bank, I receives a letter and I responded and when I did they said the act was charged off and the could not tall to me and to call recovery ( XXXX ) XXXX, they said they could not help and for me to go to the branch, branch said to call this #, they are giving me the run around and said that the account is charged off. Told me to pay the {$140.00} and all that is insuffient fees that I should have not been charged with in the first place, I am so upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax about the following negative accounts XXXX XXXXXXXX ( XXXX, Open Date XX/XX/XXXX, High Balance {$1200.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card or prepaid card

I have a XXXX XXXX XXXXr monthly service plan fee for the past two years I have paid each month 2 times they are convinced I don't and won't help stop the overcharging or credit it. This last month 3 times overcharged. XXXX XXXX for monthly service plan fee and also I am over charged at there atm who. Pays XXXX to use an ATM every month. I don't know how come it's not cheaper it use to be that this was at ace check cashing with my NetSpend card
Product: Credit reporting or other personal consumer reports

Approximately XX/XX/year> I sent a letter to Experian regarding incorrect information reporting on my file for XXXX XXXX XXXX. Experian subsequently acknowledged my letter by stating I needed to send additional information to verify my identity. 

I submitted another letter that included my identification and had the document notarized. Experian then sent a letter stating the information I disputed had been verified. However, the company, XXXX XXXX XXXX also sent a letter stating they couldn't verify the information and would be ceasing any collection efforts. The letter states they would notify the credit reporting agencies as well. 

As of today 's date, my Experian Consumer Report reflects the same incorrect information as it did on XX/XX/year>. Even with XXXX XXXX XXXX sending an acknowledgment that they can't verify the information, Experian said they verified the information and no changes will be made. 

Attached are the letters I sent, as well as the letter from XXXX XXXX XXXX.