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

I have been corresponding back and forth with ACS/XXXX  and now Conduent for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX and XXXX XXXX ). 

Conduent is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from ACS notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to Conduent, they said that the payments were already scheduled forXX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by Conduent and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!
Product: Checking or savings account

On XX/XX/XXXX I ordered 24 Sweatsuits, 24 T-Shirts , 24 Beanies, & 24 Ski Masks from XXXX  XXXX  XXXX The production was scheduled to be completed in 14-21 business days. I was told that Id be notified once my order shipped out. I reached out to XXXX XXXX on XX/XX/XXXX to inquire on when I could expect delivery and they emailed me back on XXXX XXXX representative said he reviewed my order and it was scheduled to ship out by the following week. I didnt hear back from them so I emailed again on XX/XX/XXXX to which they didnt respond. 

On XX/XX/XXXX Posh Union sent out an email stating that due to COVID-19 they were unable to fulfill orders and take on new customers. The email also stated that they were issuing refunds or you could wait to have your order fulfilled. If the customer couldnt wait for XXXX XXXX to issue a refund they urged them to file a claim with their bank but I wanted to see if getting my merchandise was still a viable option so I waited. I never received my merchandise and never heard from anyone at XXXX XXXX since. They had an automated email reply, their website was no longer working, and they are unresponsive on XXXX. 

I filed a dispute with Citi Bank 3 times in order to get my funds back but they only returned the {$100.00} I paid to have the custom neck labels done. Each time they said they couldn't help me with my dispute. I have been left without products and now my account is- {$1600.00} because of the banks decision to not refund me for the products I never received.
Product: Checking or savings account

Online banking account being restricted, can not sign in. Have no access to my money, called them they say account is under review, need documents to proof the money is mine. ask them when they can fix this problem, they don't know, they say there is no time frame. I have XXXX dollar in these XXXX account total. Need it for next XXXX  expenses. They say still need to review.
Product: Mortgage

On XX/XX/2019, I paid off my mortgage with Ocwen/PHH. I requested the Satisfaction of Mortgage and the Original note. Ocwen/PHH stated that the County Clerk will mail it to me within 30 days. I contacted the County Clerk and they stated that the payoff was recorded on XX/XX/2019 and the documents were sent back to Ocwen/PHH, and they are to send to me the Original Note and the Release. I continued to contact Ocwen/PHH and they are telling me that it could take up to a year for me to get these documents. When I ask to speak with a Manager, they continue to hang up on me. The laws in Florida and Mississippi states that I should have these documents not later than 30 days from the payoff date. I would like to get the documents that I have a right to have, but there is no one at Ocwen/PHH that knows anything about these documents.
Product: Debt collection

I sent a letter to the collection company of debt validation in XXXX of XXXX I recieve a letter back stating it was my account I have nq knowledge of these collections and I cant recieve no written contract if the the debt was mine I would have paid I have no knowledge of these fraudulent accounts which is impacting my credit.
Product: Bank account or service

Back in XX/XX/XXXX, I received a statement saying that Comenity Bank/Full Beauty charged me an annual subscription fee for an account I had not used in several months. I paid that charge because it was my fault for not ensuring the account was closed, and then called Comenity Bank/Full Beauty to officially close the account. However, in XX/XX/XXXX, I received a statement charging me a late fee, two days AFTER the payment due date. I called Comenity/Full Beauty to complain and was told that the fee would be taken off my account, and my account would be closed. I was told during that conversation that my account balance was zero and no payment was due. In XX/XX/XXXX, the same thing happened. I called again, and again received assurances that the erroneous fee would be removed, no payment was required and that my account would be closed. In XX/XX/XXXX, it happened again, and for the fourth time I called to have my account closed and the erroneous fee removed. THEN, I received notice from my credit monitoring service and Comenity/Full Beauty reported my account two months past due to the credit bureaus. This experience has not only made me highly critical of Comenity Bank, but of ANY business that chooses to use a bank with such poor follow-thru and attention to detail. I would not recommend them to ANYONE.
Product: Payday loan, title loan, personal loan, or advance loan

inaccurate balances, payments weren't applied to the account as promised, unexpected interest rates and excessive fees
Product: Debt collection

LVNV placed two collection accounts on my credit reports ( XX/XX/XXXX ) ) before the debts were properly verified. I did not receive proper service regarding the alleged debt prior to its placement on my credit report as well as they filed judgments against me putting liens on my home. I was served lawsuit papers in XXXX of XXXX which again, was before the debt verification. I have disputed these accounts several times and they came back as accurate and updated. Account balances and payment history had to be updated as there were several inaccuracies. LVNV has also placed the judgments against me with incorrect balances.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX  XXXX Balance : {$53000.00} XXXX XXXX  XXXX Balance : {$3100.00} XXXX XXXX Balance : {$5500.00}
Product: Money transfer, virtual currency, or money service

Friday XX/XX/2021 we sent {$5000.00} from our ( my and my wife 's ) joint account in Bank of America to my account in the XXXX XXXX XXXX XXXX. The clerk in local BoA office tried to enter the XXXX XXXX XXXX XXXX IBAN code we offered her, but for some reason this attempt was failed. Then she has used the XXXX XXXX XXXX code ( XXXX ) and account number. Only later we learned that now it is necessary to add 'XXXX ' characters at the end of XXXX code that contains less than 11 digits ( i.e. XXXX  in our case ). As we later found other bank system ( e.g. in XXXX XXXX ) automatically adds these XXXX ( and supposedly along with bank account number creates IBAN code ). However, the BoA system didn't add these characters and it allowed to enter my XXXX XXXX XXXX account number. As a result this transaction was successfully completed from the BoA side, but I received no money at my XXXX XXXX XXXX account until now. It means that the Bank of America system sent money nowhere. Moreover, it looks that the BoA wire transfer system is obsolete, while the local BoA personnel are incompetent, being unaware of recent changes. 
The service the Bank of America provides the customers is absolutely terrible. We have another complaint that confirms this our conclusion. But it is different story.
Product: Debt collection

In XX/XX/2018 I moved into a new residence and XXXX XXXX XXXX assigned a land line phone number to my house phone. The home phone number was recycled by XXXX XXXX XXXX. As a result for two years, I have been getting daily phone calls from Receivable Performances Management ( calling from XXXX ) a debt collection company stating that they are recording the calls and want to speak to XXXX XXXX. I neither know nor have ever known any person with the name of XXXX XXXX. On many occasions, I have told this to the debt collection company, requested that they do not call my land line and let them know that XXXX XXXX XXXX gave me a recycled phone number in 2018. The behavior of Receivable Performances Management, XXXX. exceeds the ordinary negligence standards and borders on gross negligence or criminal behavior. This is evidenced in their use of federal phone communication lines to intentionally ignore the information I give them, to deny my requests to cease calls and to continue to harass me and stalk me by making Pdaily phone calls demanding that they speak to XXXX XXXX.
Product: Debt collection

Date of service XX/XX/2020 from a XXXX XXXX XXXX provider. Multiple dates of service throughout the year for the same XXXX, however this was the only date billed to me of about {$400.00}. For the next year I made numerous attempts to contact both XXXX XXXX and XXXX XXXX XXXX as to why this specific XXXX was not covered. As it turned out XXXX XXXX submitted the claim for that date incorrectly then submitted a second claim improperly formatted and without context. The claim was flagged by XXXX as a duplicate. XXXX requested more information but was not provided anything by XXXX XXXX. Throughout this ongoing issue I made numerous calls to both parties to try to resolve this issue. Aware of the problem, XXXXXXXX XXXX continued to balance bill me the {$400.00} and sent it to collections despite the pending insurance issue. To this day they acknowledge their mistake and error yet refuse to correct the issue and bring the account back from collections. XXXX XXXX XXXX and XXXX XXXX both have substantial documentation of these statements.
Product: Debt collection

The company that is involved isXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX Making threatening phone calls and is sue me. Sent me documents from court.

Also discover bank and XXXX XXXX sent these court documents
Product: Checking or savings account

Earlier this week I deposited a check from the XXXX XXXX XXXX  for my XXXX XXXX to my and my husband 's joint account. I used the Citi ATM to deposit the check, that was located directly outside my local branch in XXXX XXXX. My husband and file our taxes together and the check was addressed to both of us. It also included both of our signatures. This morning when I went to check my account balance in my online portal, my account was not listed. My husband visited the local branch and was told our account was blocked. They refused to provide information as to why. Neither did they give us any sort of alert or notification about this issue. We are no longer able to access any of our funds or use our debit cards. There has been no indication of when our funds may be made available again. I promptly reported this issue to Citibank 's XXXX XXXX XXXX. I was given the following case number : XXXX The representative was very kind, but also could not provide any information as to why this had occurred or how/if it would be resolved. I was told I might ( key word might ) have a response in as few as 15 days. That is 15 days without grocery money, without access to my child 's tuition, without doctor 's visit copays, without gas money to take him to school. Please help us.
Product: Prepaid card

I have been contacting Bank of America about my prepaid XXXX card for over a week now. I keep receiving letters stating they have my funds. They lied about sending a check to me on XX/XX/XXXX. I gave them a XXXX record and XXXX XXXX paper. I gave them the mail they sent me. I told them the account number to verify that it is me. They use to let me use my phone that has my license on it and I write down my social. I can't order my license if I have no money and I am homeless. They will not budge on it even though I gave me all of this I'll information to show I am whom I say I am. This is unacceptable to me. I can't see if fraud was committed and I can not get the funds that was taken from me in the first place. I showed enough to let them know I am the one who the money belongs to. I've been dealing with this issue for quite some time of not being able to get in XXXX website and not being able to get in my own bank accounts. XXXX had the nerve to deny claim on the settlement I was already approved for in the first place. My data was breeched and time has been spent trying to prove I am who i am. Money I haven't been able to touch in a year. I beat up XXXX dollars in interest already. If my data was never breeched by these companies being careless I would not be going through YEARS of being denied MY OWN MONEY!! XXXX, XXXX, AND XXXX are the companies that I took place in the settlement acts. I have not received one red cent from NONE of the companies and that started in XXXX. XXXX is supposed to fix identity fraud victims information for free for the next 7 years. I haven't got a call back or email stating when that will start for me. XXXX is completely wrong for denying me when I submitted a document stating I have money and time wasted. I have paper work from the banks and all their calls are recorded so I'm sure I am in there crying about not being able to touch my money. I am a XXXX XXXX  that can't afford her own license to prove I am who I am. They won't except any other ID forms I have on me. I would love to get what is due to me so I will not have to continue to go through emotion stress and trauma of not having my XXXX XXXX children with me because mommy having a hard time getting ahead. This money and the compensation those XXXX companies owe me could very well pay for a small place and car to XXXX a mother and her children again. When you sit to high for too long you forget you taking out of the mouths of the ones who's choosing to drown while keeping the heads of their young afloat. It's hard to smile when you are drowning in the weight of the worlds water because companies are choosing to take from the mouths of the people that go to feedings in a park so they won't go hungry. It's hard out here and the world would be a better place if it was taken over by XXXX!! Be aware when dealing with companies and people with endless money and credit. They feed on the weak not know my spirit will never be broke down by soulless beings that invaded XXXX.
Product: Checking or savings account

Hello, I am requesting information as to why Bank Of America 's {$0.00} Liability policy is being disregarded here. I have attached information regarding the failure of Bank of America to provisionally credit my account during the investigation of a {$5000.00} transaction with XXXX XXXX XXXX, XXXX. As part of this transaction, the merchant was contractually obligated to provide me with several products and failed to do so. I completed an Unauthorized ACH Return Form and submitted it via fax on XX/XX/2020. I called Bank of America and spoke with a representative on XX/XX/2020. The representative shared that Bank of America was in the process of recovering the funds and that I would receive a temporary credit within 10 business days. As of today, XX/XX/2020, I have still not received this credit. Thanks for your support and please advise regarding next steps. 

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

To whom may concern, I am writing to formally request the immediate removal of closed accounts from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, I have identified a closed accounts that are no longer accurate representations of my finacial standing. These accounts have been fully paid off and are no longer active. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information contained in consumers ' credit reports. Section 611 ( a ) ( 5 ) ( A ) of the FCRA states that information that is inaccurate or can no longer be verified must be promptly corrected or deleted from the consumer 's file. 

Therefore, I request that you remove the following closed accounts from my credit report immediately : XXXX. XXXX XXXX XXXX XXXX Reason for Closure : Terms met account is paid. 


Enclosed with this letter are copies of relevant documents, including proof of payment for these closed accounts. I trust that this documentation will assist you in promptly processing my request. 

I am fully aware of my rights under the FCRA and expect the credit bureau to comply with its obligations to ensure the accuracy and fairness of my credit report. Failure to remove these inaccurate accounts may result in a violation of the FCRA. 

I kindly request that you provide written confirmation once these accounts have been deleted from my credit report. Additionally, I would appreciate any updates or information regarding the status of my request. 

Thank you for your attention to this matter. Should you require any further information or clarification, please do not hesitate to contact me at the above-listed contact information. 

Thank you so much for your time.
Product: Money transfer, virtual currency, or money service

Between XX/XX/XXXX and XX/XX/XXXX I sold roughly {$600000.00} worth of Bitcoin on Coinbase 's exchange XXXX. Anticipating the sale, I previously requested to raise my daily withdrawal limit on XX/XX/XXXX. Since that support request I have received no communication on my request and it is in turn causing me significant complications in my life not to have access to MY money. 

Coinbase has clear directions not to submit a duplicate support ticket for the same issue, however I did reach out to a representative that is active on XXXX to see if he could look into my issue but there was no return communication. Their support line is impossible to get through on as well. I feel that I have exhausted my options from an unresponsive company. 

Coinbase is effectively holding my money hostage as a XXXX interest loan. I bought a house in cash with a closing date on XX/XX/XXXX and I am forced to take out a loan in order to pay for my house now resulting in unnecessary interest fees. Furthermore estimated taxes are due on XX/XX/XXXX and I will be unable to pay the full amount most likely resulting in penalty fees. Both of these things are putting economic strain on my life.

I 've been a customer of Coinbase since XX/XX/XXXX and I 've submitted all proper documentation, I 've also been a consistent customer establishing a known banking relationship with them. It is absolutely unacceptable that they are not responding to my support request and furthermore that they are even legally able to hold money hostage like they are.
Product: Mortgage

I received a call from Midamerica Mortgage a few days ago informing me that my homeowner 's insurance had been cancelled due to nonpayment in XX/XX/XXXX. 

I was informed by Midamerica mortgage that the insurance was not paid back in XX/XX/XXXX because the documentation provided to Midamerica mortgage stated that payment was due XX/XX/XXXX. However, my insurance provider ( XXXX ) has said that all documentation shows a due date of XX/XX/XXXX. XXXX indicated a new policy could be underwritten, however it would be more expensive as the original policy was written in XXXX. 

I was later informed after many phone calls that no such documentation showing a due date of XX/XX/XXXX exists, and that the mistake was made by Midamerica Mortgage. The escrow department ( only reachable by email ) insists it has an obligation to pay the difference in old and new policies for this year ONLY. I do not find this acceptable considering their mistake will have knock-on effects for the entire time I own the home. It's honestly unbelievable that they neglected to pay the insurance on time and let my property go uninsured for a full 2+ months. What if my house had burned down in that time?
Product: Credit reporting

EXPERIAN refuses to delete incorrect variations of my name and address despite my repeated requests to do so as well as providing documentation to them again and again. They refuse to list the XXXX XXXX on my address and have placed the statement " High Risk address because it has pertained to a business or was used as a mail drop or a delivery service. '' This is because they are confusing the business and Post Office in the LOBBY of my building with my condo!
Product: Credit card

On XXXX, i sent capital one a payment to my account in order to raise the credit limit on my account. When I called Capital one and asked why my deosit wasnt posted to my account, they stated that it is because it does not say a record of them even receiving a deposit from me. On XX/XX/XXXX, capital one bank, me and my bank, XXXX the phone to verify the deposit. Which come to find out it was cleared on XX/XX/XXXX of XXXX by my bank. So capital one has stolen and took my money and did not post it to my account. So I had to file a compliant
Product: Credit reporting, credit repair services, or other personal consumer reports

From the years of XXXX Department of Education/ Navient has reported on my consumers credit report late/non payment which is against U.S. Code 15 1666. I did not give Department Of Education/Navient my written consent or permission to do so. No consent is identity theft!
Product: Checking or savings account

My checking account has been frozen since XX/XX/XXXX. Citibank claims they can not verify that my phone number is mine, despite it being my number for two years. Citibank said theyd mail a letter to me with the verification number I needed, but I have not received any letter from them. They will not unfreeze my account without this letter, which they can not even verify they sent it to the right address.
Product: Credit card

I'm deeply troubled by the presence of this late payment on my account, especially considering my track record of timely payments. This issue is causing me significant distress, and I urge you to rectify it promptly by removing the erroneous entry from my account.