23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I received an email from Unifin saying that they are the new collections for XXXX XXXX. When I chatted with the agent to see what the bill was for they explained. I made a payment for XXXX. I was never provided a confirmation and or a tracking number for the payment. I spoke with the agent of XXXX XXXX. I was told they do not provide confirmation numbers or tracking numbers for payments until they have been processed with the bank. My payment cleared the next day and posted to my account. Today XX/XX/XXXX I spoke with her again and she stated that one was emailed to me. I checked the email and the spam and noticed no email. Then she verifys the email and states Ok I will get XXXX requested for you. So this tells me that XXXX was never emailed out to me. I think that if I am making a payment to an account some sort of tracking number should be given for records of proof. Not having to sit and wait and wait and wait and then XXXX never is emailed and have to ask again. 

I would also ask that they clear the account from my credit file has a charge off and mark it as paid as agreed. 

I tried to get a copy of the chats that I had with the agency and they system does not allow to get copies
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NO KNOWLEDGE OF THESE ACCOUNTS. IT IS FRAUDULENT AND I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. 

XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I was headed to New Jersey on a family trip. My identification and debit cards are still on XX/XX/XXXX funds were withdrawn from my account from Chime was used purchase money order at XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Back in XX/XX/XXXX I applied online for a US Bank Cash+ credit card with a bonus offer of XXXX if you spend XXXX or more. This card also offered 0 % interest for an entire year. I had also received a brochure for this same credit card with the XXXX incentive and 0 % APR offer in the mail, im assuming because US Bank is the lienholder of my mortgage.

After US Bank called to verify information with me about a week later I was approved and received the card in the mail. I made the requisite purchase amounts on the card of over XXXX but had not received the funds. At the end of XX/XX/XXXX or beginning of XX/XX/XXXX, I called US Bank Credit card services to inquire about my reward as it had been well over the 6-8 week process time.

When speaking to customer service they indicated that I was not eligible for the reward even with speaking to a supervisor. The online offer did not come with exceptions and I was even given a full years worth of 0 % interest which was also a part of the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there erroneous items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included am hoping that these items will be corrected. 

XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I can not get Experian to stop emailing me. I have requested no notifications through the appropriate support emails ( XXXX and XXXX ) 5+ times and verified online to have them turned off. I don't want to receive info from them.
Product: Credit card

I attempted to pay a closed account through online payment 15 mins before their XXXX ET deadline and could n't get through to their website. At XXXX ET, I was able to login and pay and was still assessed a {$37.00} dollar fee. It is the second consecutive month where I was assessed this fee after paying minutes late due to login issues. All correspondence via phone with BarclayCardUS have been hostile saying that there were no issues and that no screenshots that I sent them would be accepted because there are no problems on their end.
Product: Checking or savings account

USAA allowed my ex husband to change my address on accounts his name was never on and were opened after I had moved to my current address. This caused a {$1200.00} check from them mailed in XXXX to never reach me. After a lot of research, they finally admitted the issue. However, I still dont have the check replaced yet. They cant even tell me if he cashed the original check even though only my name was on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS ARE FRAUD AND I NEED THEM REMOVE FROM MY FILE XXXX. 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 or prepaid card

Barclaycard Ring refuses to post a {$300.00} payment to credit card. We faxed documentation on XX/XX/19, XX/XX/19. Emailed late XX/XX/XXXX. Called numerous times XX/XX/XXXX twice ( got hung up ), XX/XX/XXXX, XX/XX/2019.
Product: Checking or savings account

Capital One will not publish or post the direct deposit from my husbands account. My direct deposit was late but it posted at night on Friday. It is Saturday and my husbands check still has not posted along with another transaction I deposited from another institution that should have posted by now. It is holiday weekend and I can not get my own money.
Product: Bank account or service

I am a victim of IDENTITY THEFT. On XXXX XXXX XX/XX/2014, I was notified by XXXX that someone had attempted to open a bank account with USAA Bank with my Name/SS # /Date of Birth. My issue with USAA Bank is that they will not respond to my requests to obtain the records relating to the fraud. The Fair Credit reporting act, 609 ( e ), allows me to obtain these records without subpoenaincluding : Account applications made on paper, online or by phone Account statements or invoices Records of payments or charge slips Delivery addresses associated with the account [ s ] All records of phone numbers used to activate or access the account [ s ] Investigator 's report All other documents associated with the account [ s ] I have sent USAA bank a copy of the police report, proof of identity, and an Identity theft report registered mail. USAA Bank have ignored all requests for me to obtain this data ; and after numerous phone calls ; they are not responsive. They always say they will call me back, but never do. USAA has not provided me any information regarding this Identity theft. I need help! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date opened XX/XX/XXXX Original charge {$8400.00} Credit limit : {$11000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$11000.00} from XX/XX/XXXX to XX/XX/XXXX Loan type : credit card from US Bank XXXX, Ohio Message : I did not open any credit card from XXXX. It still reflect on my credit score. please help me to clear my name. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo Home M ortgage is reporting incorrectly as a foreclosure on my credit file with all  XXXX  of the major credit bureaus. The property was not foreclosed on it was an approved short sale that went thru to completion/ closing without any problems. I previously disputed the status of the account with the credit bureaus however the only change was to note that I disputed the account.
Product: Payday loan, title loan, or personal loan

I spoke with XXXX on XX/XX/XXXX and advised that I did NOT WANT my payment to be debuted in the XX/XX/XXXX, and wanted it to be debited on the XX/XX/XXXX. She said that she had changed to date and that the payment would not go through. However the payment still came out on the XX/XX/XXXX due to her not canceling the auto debit, which in turn cost me overdraft fees with my bank. I called and attempted to resolve the issue with her and advised this was her mistake which she admitted but she said there was nothing she could do. I advised her that this is the second time that she has made this mistake and during the last mistake she even offered me a personal loan due to her error. I respectfully declined. My bank did a conference call and she also admitted to them that it was her fault however she said she had no way of reversing her error. She also admitted that she finally opted me out of auto debit ) which should have been done ). I spoke with her this morning and she advised her district manager said they are not refunding the fee or reversing the payment although it was her error.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting as 2 accounts once as XXXX XXXX XXXX on XXXX and again on all three bureaus as XXXX XXXX XXXX  there should be one account name only. i have included the credit report and highlighted all inaccuracies. 
I have disputed many times and they still report incorrectly. 

XXXX XXXX  account is inaccurate across three reporting agencies
Product: Debt collection

On XX/XX/XXXX i received an alert from my XXXX  app. Leting me know i had a change t ok my credit bureau report. I reviewed the change showed common wealth financial for a negative balance of {$1300.00}. I XXXX company called spoke with a collection representative told me was for an emergency room visit at a hospital i never been to. She told me the account was received on XX/XX/XXXX but the initial collection notice was not mailed out until XX/XX/XXXX to an address i have never lived at. Then The account was placed on my cbr on XX/XX/XXXX which was in violation of the 30 day validation period. I then spoke witha supervisor updated address and requested all supporting documents for this debit requested account be moved to dispute status and put in compliance department for fdcpa violation of 30 day validation period and repoting on my cbr
Product: Mortgage

I took out a XXXX mortgage line of credit a number of years ago through XXXX XXXX XXXX Bank. I paid every payment on time. XXXX XXXX XXXX Bank was bought out by BMO Harris Bank several years ago. The line of credit loan continued as it had with XXXX & XXXX Bank. I continued to make payments on time, never falling short even one time. In the fall of XXXX I received a letter from BMO Harris bank stating they were discontinuing this type of loan and called the note due in XXXX XXXX. Even though we were very ill prepared to refinance, we took the fall to attempt to prepare our home and our finances for this transition. I went XXXX Bank to secure a mortgage to pay off my XXXX mortgage and the note demand from BMO Harris. When our home appraised for less than we hoped, we had to shift to a XXXX and XXXX mortgage. 
We were able to secure a payoff on our XXXX mortgage with XXXX Bank. We requested and received a payoff amount from BMO Harris Bank, however after accepting our payoff check, they decided to add a very large fee and refused to release the note. I have contacted BMO Harris Bank several times in this matter and they insist on charging this exorbitant fee. Large businesses such as these have a big advantage over the general public. They can bully the average consumer like me since I have no resources to battle against them. I struggle from paycheck to paycheck while they simply expect me to fork over an additional {$900.00}. This is a predatory practice that should not be allowed. I have faithfully paid my XXXX & XXXX mortgage on time, every time to XXXX Bank since. 
I do find it very strange that a company that I never seeked to do business with now has a stranglehold over my life and finances. To a normal middle class working family, this seems mighty unfair. I would appreciate some intervention in the matter. 
Thank You XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian tried disputing a late credit card payment due to the mandatory government shut down due to Covid-19 and not being able to obtain UC benefits til later. They said dispute was completed and would be updated, nothing has happened. Also paid off a debt collection, it is closed and paid off, it is still showing on all 3 credit reports on Experian but was removed from XXXX  and XXXX  on XXXX XXXX. My scores on Experian have not updated in almost 2 months. I have paid off my credit card, paid off 5 months worth of car payments, paid off a debt collection and paid bills on time, still no score change. My wife and I are trying to get a mortgage and this is completely stopping us from growing as a family. When I spoke to a Experian customer service agent they told me that some companies do not report to them so they dont have to update their files. All of my other credit  score apps have updated, and been showing me my new scores. This is just completely unacceptable.
Product: Debt collection

Your Name Your Address City State Zip Code Name of Creditor/Debt Collector Address City State Zip Code Re : Account Number To whom it may concern, I am writing in response to your recent correspondence regarding the debt that you claim I owe. I am requesting that you provide me with validation of this debt, as required under the Fair Debt Collection Practices Act.

Specifically, I am requesting that you provide me with the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the alleged debt.

3. Detailed information about the nature of this debt, including the dates and amounts of all transactions or charges.

4. Any contracts, agreements, or other documents that demonstrate my obligation to pay this debt.

5. Proof of your agency 's authorization to collect this debt on behalf of the original creditor. 
XXXX. The agreement bearing my signature stating that I have agreed to assume the debt. 
7. Proof that the Statute of Limitations has not expired.

If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.

Sincerely,
Product: Checking or savings account

SunTrust has issued and mailed 2 sets of 3 checks. They thank me for opening both a savings account and checking account. That is not true. I do not believe I have ever been to a SunTrust office or website. I am very concerned about a company issuing checks in my name without my authorization. How can I stop this?
Product: Debt collection

After reviewing my free annual credit report I noticed fraudulent accounts from Profit Services Group, after contacting them to verify these fraudulent accounts I still haven't received any verification and they still are reporting these fraudulent accounts to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand I currently have an open complaint however, there are new alerts added to my credit impacting my score such as XXXX XXXX. I have been disputing the inaccuracies on my credit report XX/XX/2022 and I am still struggling with the same dilemma. This is hindering my opportunity of homeownership. I have been researching the FCRA believing that it works in the favor of the consumer as long as the proper work is done thoroughly. I'd asked the credit bureaus to " investigate every piece of information '' on my accounts I have listed below. According to the FRCA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I have asked respectfully that Id be provided with proof of the disputed item specifically any contact note, court document, or any instrument having my signature. If they fail to do this then I expected, according to the law, that the items would be deleted within 30 days, but this has been ongoing since XX/XX/2022. The credit bureaus stated my account was verified but how is that possible if they did not do a proper investigation according to the law. I recently accessed a new credit report and found the same and similar discrepancies which means every piece of information on these accounts are still not 100 % accurate according to the FRCA 15 USC 1681 everything must be 100 % accurate. I have the credit report still showing inaccuracies. Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( this new item added to my credit report even asking for proof, getting no response ) and -XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Correct the status-account is open ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These items are having a huge negative impact to my score and is depressing. In addition, I still have personel on my credit reports that are not mine and Ive asked that it be removed : XXXX XXXX XXXX Apt XXXX XXXX, VA XXXX. The correct spelling f my name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX ( Ive never worked with this employer )
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and notice that It's 2 late payments on an account that I was never late for the consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the account that I have included screenshot inside the complaint in on dates of XX/XX/XXXX XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks. Please see screenshot attached
Product: Checking or savings account

Complaint about CIT XXXX Customer Call center regarding account closing I had a 2-year $ XXXX CD with the CIT bank, which matured on XX/XX/XXXX. I never received a notice/reminder which the bank is supposed to send me well in advance. I called the bank on XX/XX/XXXX Saturday, to close out of the account but I was n't able to reach a human customer service after a long wait. I called back on XX/XX/XXXX, the first business day after the grace period ( ending XX/XX/XXXX, which is a Saturday ). The customer care team refused to close the amount without charging me penalty that 's the equivalent of 6 month interest. I requested to speak with the supervisor and anyone who has authority to close the account for me, despite the fact that I was a few hours past the " grace period. '' I was told the people I 'm speaking with do have the authority to close the account but they simply choose not to do so because they do not have to based on the CD terms. I was told that they will only make the exception if I, the account holder, was dead. The individuals I spoke with claimed to be XXXX XXXX and XXXX XXXX the call center manager. I requested a higher ranking officer at the bank and was given the name of XXXX XXXX, who was supposed the Vice President of the XXXX center. I looked up the names. It appears that XXXX is just another customer care manager. At the end of my wit, I inquired if I may switch to a shorter term CD. While they offer 6-months CD,  XXXX told me the shortest they would let me do is 1 year. So I opted for that. Afterwards, I looked up online, CIT publishes a policy of option to withdraw full balance and interest after 7 days of CD funding date. I believe the call center staff refused my request to close the CD account and withdraw money not per policy, but out of fear of losing business and hurting performance. The customer service was abysmal and perhaps downright fraudulent.
Product: Checking or savings account

I recently opened a checking/saving account with Sofi. In early XXXX, I attempted to make a deposit to the account using Sofi 's smartphone app ( Sofi does have brick and mortar outlets ). Upon completing the deposit, my account was immediately frozen. After many calls to Sofi customer service, I've only been told that my account is under review for " security reasons '' and that the office that completes the reviews is " backed up. '' I was also told ( snidely ) that my user agreement allows them to freeze the account for up to 10 days to " investigate inconsistencies. '' Now, almost a month later my account remains frozen with no explanation. Is it legal for a financial institution to continue to block access to the funds in my account? I find their behavior suspicious and wonder if they are simply floating the money for their own gain or worse have become insolvent. Again, their customers service by phone is completely unhelpful and there is no physical office to visit.
Product: Money transfer, virtual currency, or money service

Sent money through Zelle money was sent to the wrong person. Money was not refunded so so they could do nothing about it. The bank said they could do nothing about it. Im with XXXX XXXX XXXX and no one was able to help the money was sent in 2018 and it was {$500.00}
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX  I pulled my credit report showing several inconsistancies on my consumer credit report. I have no outstanding Debts in the state of Ca. Please delete all inaccuracies which are affecting my validity as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS attempt 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. 
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