23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted by Credence Resource Management , LLC. about a pending debt with XXXX XXXX XXXX of a XXXX account I do not have. I contacted XXXX XXXX XXXX and confirmed I dont have or had in the past an account with them. I also dispute the case with Credence Resource Management , LLC. and requested a written notice of the case, which I didnt receive. The person that called mentioned the case was sent to collections, which has impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous information reporting on my Credit Report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problems with XXXX XXXX XXXX not reporting payments to credit bureau. I have been using my XXXX XXXX Credit Card each month and I also make all of my payments on time. My account is listed as being dormant with no activity reported. Because my account is reported as a dormant account its now a high risk level account which caused my credit score to be significantly decreased. I called XXXX XXXX and the Credit Bureaus and I havent been able to get any help. I will like this inaccurate information to be removed from my credit file ASPA and my credit report be updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting my dispute to both experian and XXXX XXXX XXXX XXXX claims they did a fraud investigation and verified a fraudulent item as mine. 

8/2020They sent me a HUGE envelope from their legal counsel XXXX and XXXX XXXX possibly intimidation tactic ) with just pages and pages of this fraud accounts statements mailed to an address I NEVER LIVED AT. How can statements of an account to a fraudulent address be proof?? I am a XXXX veteran and it is a shame to be treated like this. 

XXXX XXXX is continuing to report a fraudulent account to my Experian credit report. I am a victim of ID theft and have sent my ID docs, ftc affidavit, id theft report and all required information to both them and Experian along with my XXXX FCRA request to block this fraudulent information from my report. XXXX Equifax and Transunion have complied already XXXX. XXXX XXXX is claiming they can not contact me which is a lie because they have all my information and also there should be no reason to contact me if they were in accordance with the FCRA. THey are in strict violation of the FCRA and this must be fixed.
Product: Money transfer, virtual currency, or money service

Receive letter from XXXX XX/XX/XXXX received phone call from XXXX XXXX acknowledging they did pay out money out of the account to Western Union in XX/XX/XXXX {$1300.00} Western Union has no record of the transaction theres no transaction number received letter from XXXX that I still old this debt to XXXX XXXX  I have been communicating with XXXX from XXXX XXXX XXXX XXXX for the past week who was helpful enough to let me know that money was paid out from XXXX XXXX XXXX  to Western Union and I was not aware of this all this time that Ive been disputing the facts so there is money that was sent out to Western Union whether Western Union still has the money or whether the money was transferred onto XXXX XXXX l have no record of it and Im still responsible for the debt. XXXX  see if they rolled off the amount so it looks like they did not receive it. So where is the money does Western Union still have it in an account? I would like to know where the money is who received it so that the debt can be closed appropriately documentation of receipt of the payment. I can be reached at XXXX thank you for your prompt attention in this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I made a purchase on XXXX for XXXX. Before completing the purchase, Paypal gave me the option to select how I wanted to make payment. I had XXXX within my Paypal balance and was currently without funds on my debit card so I selected to use my Paypal balance to avoid any unnecessary fees ( I have photo evidence that that selection is available ). On XX/XX/XXXX I receive an email stating that my payment was unsuccessful. I don't notice this email until Friday XX/XX/XXXX. Confused as to what happened, I checked my Paypal balance and see that there is an attempted charge and a bounced check fee on my bank account. Now overdrawn I call my bank who reverses one of the charges and tells me to call Paypal. The woman I speak with on Paypal ( I did not get her name, I should have I found out later ) tells me that the vendor can deline the payment method I selected and change to a different one. I told them the circumstances and they told me they could transfer the funds to my account, which also wouldn't work because due to the system of my bank, it will take the funds for another debt and thus will land me back where I started with overdraft fees. I asked to speak to a manager, and after some protesting, the woman made me a ticket for the case and said a manager would call me back in 24 hours. 

No call came. 

Cue today, XX/XX/XXXX, and I still received no callback and I saw another pending transaction on my bank card, but XXXX missing from my paypal balance. Well NOW I am perturbed and I call back TWICE! 

The first call I sat in some sort of limbo state for 30 min. Thinking I was being ignored, I called back and got a young man this time. After explaining the situation ( apparently the lady before did not take notes on the issue ) The young man did some digging, explaining why I was XXXX shorter ( which is apparently due to ANOTHER issue I need to deal with ) but also stated there was nothing he can do. I asked to speak to a manager, and after some more protesting, the young man created a case and I took down the number for the case. I didn't get the young man 's name unfortunately, btu the case number is ( ask for case number ). He said a manager would call me within 24 hours THIS time, I received a call within the same day ( nice ). THIS time I got the manager 's name : ( ask for manager name ). After some back and forth he explained to me that the reason my card ended up getting charged is because the internal security system determined that paying through my card was safer than using the balance on file, which makes absolutely no sense. Upon him admitting that, I explained the issues this caused and he basically said to " take it up with my bank '', and with no solution in site, I was recommended to my father to come here to make a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 : Certified letter received by Experian, from myself, requesting physical verification of the account listed on my credit report from collector : XXXX XXXX XXXX My request was clear in that I was seeking Verifiable Proof of this debt, as I am not sure it is mine. 
XX/XX/2018 : Dispute results received from Experian stating verified as accurate XX/XX/2018:2nd Certified letter request for physical verification of debt received by Experian. Requested verification via my rights under section 609 & 611 of FCRA XX/XX/2018 : Notification made from Experian that no further investigation will be performed, despite never proving the debt adversely reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

On XX/XX/2024, I made a payment to Schools First Federal Credit union to settle a credit card account that was derogatory. Prior to making the payment the institution was reporting monthly to my credit history the status of the account. When I made the payment, the credit company had informed me that they would update my credit report to reflect the settlement as well as provide me with a letter reflecting a payment had been made. As of XX/XX/XXXX, I had not received the letter nor did my credit report reflect the settlement payment so I called and was informed by a representative that they would be updating my credit report and subsequently provided me with a letter stating that my account was settled. As of today XX/XX/2024, my credit report reflects that Schools First Credit Union stopped reporting updates to my account as of XX/XX/2024.
Product: Debt collection

On XX/XX/2020, the process server hired by collection agency Stokes & Wolf, PC went to my previous home address where they encountered my former landlord. The process server stated he worked for the feds and handed my former landlord a stack of papers regarding a collection account in my name. My landlord told the process server I no  longer reside at that location. The process server laughed and walked away leaving the papers with my former landlord. I have not lived at said location in over a year which can be proven by my current drivers license and vehicle registration information. I recently disputed this charge on my credit. I never signed a lease nor moved into unit in question. I believe this is an attempt to bully me into paying a debt not legally mine. 

Stokes & Wolf, PC has violated 15 U.S. Code 1692c. As such, I will pursuing further legal action. 

15 U.S. Code 1692c Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Product: Mortgage

The only information I can somewhat remember is XX/XX/year>, which was the day the state troopers came to my home to evict me out of the house. Prior to this date, I was trying to fix my mortgage and get back in good standing with my mortgage company Wells Fargo. 
The issues started when I first got the loan. At closing, the interest rate was much higher than I had expected since I was getting a VA loan. However, my intention was to pay the home off early anyway. This process seemed to get harder and harder, and some years after living in the home, I saw that an additional {$30000.00} loan was taken out on my home, of which I knew nothing about. I tried to stay in good standing with Wells Fargo but I was not able to, and it really seemed as if there was some kind XXXX XXXX XXXX XXXX going on there because it seemed sort of hostile while being in the bank trying to resolve the problem. I had to just accept my fate that I would not be able to keep my home, and when the XXXX XXXX  came, it was as if the whole conspiracy to evict me from the address was complete. I was homeless for awhile and now Im renting in the worst part of town, so now I'm just trying to get my life back together and move up out from the XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally request an investigation into and the removal of an unauthorized hard inquiry on my credit report. I recently discovered this inquiry on XX/XX/XXXXXXXX  when reviewing my credit report, and it has come to my attention that I did not provide consent for such an inquiry to be conducted. 

Below are the details of the unauthorized hard inquiry : Creditor Name : BK OF AMER Date of Inquiry : XX/XX/XXXXXXXX  Inquiry Type : Hard Inquiry I would like to emphasize that I did not authorize any entity to make a hard inquiry on my credit report at the specified date. I am concerned about the potential impact of this unauthorized inquiry on my credit score and overall creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not the owner of XXXX XXXX XXXX, and XXXX   XXXX XXXX ( ORIG CREDITOR : 11 XXXX XXXX, I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.
Product: Credit card or prepaid card

OnXX/XX/XXXX, I got my XXXX statement for my Kohl 's credit card. I noticed there was a {$27.00} late fee. I called since I knew my payment was received on time. There was a mistype when I did my pay through bill pay, {$70.00} was sent instead of {$73.00}. The lady ( I can't find the paper where I had her name ) was very nice and said I have a perfect record with them ( never been late before or anything ) and she would refund the late fee. She then said that would make my minimum amount due {$74.00} instead of the {$100.00} the bill was showing. So on XX/XX/XXXX I sent in a {$75.00} payment. I got my Kohl 's bill today and it shows {$140.00} min payment and a {$37.00} late fee.The amount shown as past due was {$26.00} ( basically the late fee minus the extra {$1.00} I sent in ). I called them back today and got a lady with a VERY heavy accent. Even after getting her to repeat her name I couldn't understand what she said ( it started with a G sound ). I explained what happened last month and what I was told to send in. She proceeds to tell me they can't change the minimum due, I was supposed to pay the entire {$100.00}. She said she can waive the new {$37.00} late fee but I will need to pay the full {$140.00} that is due in XXXX. I explained to her that I have never heard of a company not being able to change the minimum amount due. I work in the XXXX XXXX and know that this can be done. I have had this done one time before with another company that there was a mix up on when they posted my payment so they charged a late fee. When I called them they acknowledged the error and refunded the late fee which adjusted my min due back to what it should have been. I asked to speak to a manager and was told that I could not because they can't change the minimum due either. So because of this, I have to pay double what my usual payment is. Which is causing me to have to adjust my budget and take money from my grocery account to cover this. I have closed my account and will not shop at Kohl 's ever again. I have been a card holder with Kohl 's since 2014. In all the years I have had credit accounts, I have never had a company say they can't adjust the min amount due when they are refunding the late fee. I do not feel I should have to pay the full {$140.00} when I was paying what I was told was the amount due for XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts need to be remove from my credit report I would need this done immediately
Product: Mortgage

My husband and I were current with our mortgage payments until the start of Covid-19. 
Wells-Fargo , our servicer for FANNY MAY as a lander, placed us in Covid-19 Forbearance Plan in XX/XX/XXXX. Throughout pandemic we got constant extensions of the program. Wells-Fargo never contacted us to inform that the program is ending and to discuss our options. 
After we contacted them proactively they refused to exit us from Covid-19 Forbearance Plan, since, according to their record, we were still in active bankruptcy ( our bankruptcy was concluded in XXXX ). 
Before, during and After the bankruptcy proceedings we stayed current with our mortgage. 
Wells-Fargo wold not accept our assertions that we were no longer in XXXX and took them over 3 moths to confirm that we no longer in XXXX. Throughout this entire process we were in constant phone contact with them. Once the issue of active bankruptcy was resolved, instead of resuming the process of exiting Covid-19 Forbearance Plan they chose to issue a default notice for the entire period ( from XX/XX/XXXX to today ). For the last several moths we were directed from one department to another and it seems that none of them have authority or ability to resolve this matter Our Covid-19 financial problems were successfully resolved. We are willing and able to continue making current payments under the terms of our loan. Instead of giving us this opportunity they are taking steps toward foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Equifax continues to report this unverified erroneous item on my credit report after multiple dispute attempts. The latest dispute attempt was initiated XX/XX/2019 with all three bureaus and was " verified '' to be correct. Not only is this charged off account reporting a past due balance for all the bureaus but the last active dates are different between the three bureaus. The payment history is also incorrectly reported with all three bureaus. If the information is correct it should not be so reported so inconsistently between the three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX Balance {$1500.00} XXXX XXXX XXXX XXXX # XXXX Balance {$210.00} XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} These accounts are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under may name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been previous issues involving XXXX XXXX XXXX online " Bill Pay '' and SYNCHRONY FINANCIAL and now, despite my belief this issue was resolved as issue outside of my control ... My credit report shows a closed acct with a balance. 

Synchrony tells me the collection dept made attempts to collect $ XXXX/month and was unsuccessful ... even though my agreed monthly was {$45.00} & I have been paying an even $ XXXX/month since opening the line of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is  XXXX   XXXX  I have a mortgage with  XXXX   XXXX   Loan  #  XXXX .  Property Address :   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX . I have recently completed a trial period loan modification and my account has never been past due even prior to me going in to the trial period plan.   According to FHA 's servicing guide servicers are not supposed to report you as being past due if you were current going into the trial period plan. However  XXXX  continues to report me as delinquent. They reported me as being 90 days past due in  XXXX  and 60 days past due in  XXXX . This despite a letter I received from them in  XXXX  apologizing for any past discrepancies and promising to correct my credit report. They suppressed reporting for  XXXX   XXXX   XXXX   XXXX  but then started erroneously reporting again in  XXXX . This has been going on since  XXXX   XXXX . How many times can a servicer wrongly submit info before it becomes negligent and should be punished.