23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is regarding our Target credit card we paid the balance in full on XX/XX/2019 normally this is done through our bill payer account but due to a soft safe update we had to use our debit card issued by our bank to make the payment. Did to the change in payment it got to XXXX late Friday night after business hours after they were closed. Technically our payment would not be late till XX/XX/XXXX but since that was a Sunday they claim they did not receive it until Monday the XXXX making it late. 

Normally they would have received this payment well before the XXXX well before the cut off date of our bank wasn't going through a software upgrade. After explaining this we initially offered to pay the {$28.00} dollar charge to have it go away. 

The XXXX said if we would get a letter from our bank they were sure they would reverse the late charge. Reviewing the left not only did they decline our request XXXX just keep adding interest and late charges to the original late charge balance to where the XXXX credit balance is {$340.00}. All from a XXXX dollar late charge. 

The account was closed and that is when Target got real nasty in resolving this issue. 

You can go to XXXX and get the multiple phone conversation to back up our allegations as all phone conversation are recorded.
Product: Credit reporting or other personal consumer reports

reporting false info that was not given consent my credit is being ruined by them reporting incorrect info about my loans and agreements I have not been in default of these statements made the sum balance is wrong and the fraud is strong with the XXXX  reporting systems for some reasons take the reports off the creditors
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Bank of America submitted a hard credit inquiry to XXXX for a car loan in my name and social-security number. I did not apply for any car loan this year to Bank of America or anyone else. On XX/XX/year> I called Bank of America, and with great difficulty I finally reached someone who identified themselves as being with the auto-loan fraud team. This person, who identified herself as XXXX in South Carolina, said her team would investigate, close down the loan application, and have the hard credit inquiry removed from XXXX. She gave me a case # of XXXX, and said I would hear from them. I have not heard anything from Bank of America since. 

I called Bank of America again on XX/XX/year>, and again with great difficulty I was able to get someone who said they were on the auto-loan fraud team. She identified herself as XXXX. XXXX said she could not find any information under that case #, or any other information about the fraudulent loan attempt. She said a " fraud analyst '' would call me back. No one ever called. 

The XX/XX/year> hard credit inquiry from Bank of America remains on my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Boost allows select individuals to boost their credit score with Experian for a fee. Not only must you sign up with Experian for the boost but you must continue to support them financially to keep your boosted score. 

Now this goes against everything about fair credit reporting. There are a lot of people that don't have easy access to the internet, credit cards to pay for Experian 's service, or knowledge this is possible. And then there's me. Trying to improve my score when I'm about to get kicked out of my apartment at the end of the year so I'm trying to fix my score as fast as possible, but of course the Department of Education and Experian want to make sure this is as difficult as possible. 
( These predatory loans not only financially ruin you but they will not honor their word once you pay them. They will in fact report you multiple times if they can for the same debt. ) I have tried many many times to connect my bank accounts with Experian but I get an error when I try to connect my XXXX account even if I use my cell phone for 2FA verification that is valid and confirmed working correctly. 
I do not understand how only a select few can gain the benefits of this boost while so many aren't able to get the benefits? This is absolutely unfair. I will have to pay more for rates, possibly be declined when trying to obtain credit, which would make me have to apply again, and that would lower my credit even more. This is insane how this is legal. It will take me years and years at this rate to fix my score. The Department of Education is ruining the lives of so many young Americans and the credit bureaus are helping.
Product: Debt collection

This Debt Was originally with XXXX XXXX XXXX who originally discharged the debt. Than without notice I discovered while checking my credit that XXXX XXXX XXXX bought the debt. I was unaware that I can dispute the debt and never received notice that I can dispute the debt along with I did not receive any verifying information of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion 3 times and spoke to representatives regarding unauthorized inquiries on my credit report. Each time, I am told called the creditors to resolve. Yesterday I called Transunion twice and both representative said called the creditor. I also asked for a supervisor both times, one rep hung up and the last rep refused telling me he could help me. He then proceeded to put me on hold and come back and state that there was nothing he could do, call the creditor. I advised him that he di not even ask which inquiries I was referring to, He stated it did n't matter because that was the policy to advise to call the creditor that pulled the credit and I told him for the fourth or fifth time that I did and the creditors are stating they have no record of ever pulling my credit. I asked him what proof did Transunion have on file that any of companies had authorization to pull my credit, he then put me on hold and he said that he checked and they had none. After, going back and fourth he stated they ( transunion ) required to have proof. And then he hung up. I am confused on what to do to resolve this. I think I may get my attorney involved, however, transunion, has incorrect information and they refuse to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXX XXXX which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

An item in collections on my credit report from XXXX XXXX had been previously reported on my credit for a long time it was removed at the beginning of this year and has now been added on with an open date of XXXX/XXXX/2015, this is incorrect and this is negatively impacting my credit score that I am working on very hard to get to a good standing. I do not think it 's fair that these collection agency keep removing and adding to my credit report as they please and with different dates.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following fraudulent accounts and inquiries from my credit report. 
The following accounts were fraudulently opened in my name : 1. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 2. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$640.00} 3. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 4. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} 5. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} 6. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} 7. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} In addition, I am requesting the deletion of the following unauthorized credit inquiries : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX 4. XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Our mortgage was sold to XXXX XXXX, including the auto payment details. All payments were made on time, yet the mortgage company reported us 60 day delinquent on the mortgage. this has caused our credit report to nose dive just as we are in the middle of closing on a new house. I understand that some loan data might be missing for a month or so when a mortgage is sold. But outright saying that we missed payments is downright criminal because it is going to cause us a huge hardship if we are unable to close on the new mortgage.
Product: Mortgage

Customers Concerns : Bank statements XXXX XXXX : Trial ACH payments started with Ocwen Loan Services on the Months of : XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) XX/XX/2019 ( XXXX ) The Check for XX/XX/2019 {$750.00} and XXXX XXXX money order for XXXX, was cashed for XXXX The check for {$500.00} N.R.C.U and XXXX XXXX money order for {$200.00} and {$180.00} was not cashed yet for XXXX Errors of these Monies has not been deposited and or applied to the same Suspense account as PHH Mortgage Services current Suspense account. Due to Merger and blackout period ; or due to unkowledgeable data entry employees In which has me short on payments and missings payments causing monies to be applied wrong. Resulting as me reciveing a letter of ; Notice Of Default And Intnet To Accelerate 64 days in Default owing {$2900.00} Loan modification : My final loan Documents were signed by XXXX XXXX XXXX XX/XX/2019 and mailed out me. The account # XXXX, has not been properly updated finalized in your system with the correct information. Many Tasks and Notes of have been added to the account on what needed to corrected. 

I feel The Estate of XXXX XXXX XXXX has been descriminated against by multiple departments within PHH Mortgages Services family transfer/ Assumptions of loans.

This matter/ and or loan Modification should have been completed and reflecting the correct borrower 's info. Within your company and with the XXXX County Assessor along with the Name Change and Title Transfer Request. As a Veteran I can not be assisted by other companies because the title and PHH Mortgages data is still referring to the late XXXX XXXX XXXX. 

PHH Mortgage Services Research Department # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Can XXXX I am sending this letter, in regards of the Escrow shortage. I was told by customer service yesterday that a payment in XXXX was rejected, I would like to have this detailed info of the transaction that was declined. 

My concerns : Business that rejected transaction ( XXXX )? 
what type of transaction ( debit, credit Card )? 

The final Modification was done XX/XX/2019 and signed before escrow shortage was analyzed. then loan should be reflecting my name only as of XXXX, my grandmother the late XXXX XXXX XXXX, is still on the account as main borrower, and im still being addressed as C/O ( Care Of ). i am confused how PHH Mortgages family Assumptions and teansfers progress.

Being a Veteran I can not get my taxes exemption because the process of the Loan Modification transferring to my name was postponed because of escrow shortage. The paper work at the XXXX County Assessor Clerk reflects XXXX XXXX XXXX. You have now faced me and my family with 54 days late payments wich caused default. and possible forclosure matters. How can we fix this problem, is what i presented to PHH Mortgages.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a hard inquiry that appears on my credit report. The inquiry was made without my authorization.
Product: Mortgage

An escrow account refund is expected, in the amount of {$860.00}. I would have been sent to me after i paid off my loan in XX/XX/XXXX. In XX/XX/XXXX, I called CORNERSTONE HOME LENDING, LLC - SERVICING DEPT, in New Jersey to find out about the refund check. A check was issued, but lost in the mail. They said that they would put a stop payment on the check i never received and would issue a new check. In XX/XX/XXXX, I called to check status on the check, but each time I called, I was unable to reach any one to speak to directly. I couldn't speak to anyone in the servicing department, because either he line would ring and then drop, or the person who would answer the phone said I needed to be transferred to another person. Then, when transferred, I would hold on the line at times for up to 2 hours, only for the line to drop after the long wait. This has happend time and time again, in fact on a weekly basis since XX/XX/XXXX. I have been calling weekly, with no success in reaching someone for help with my refund check status. The week of XX/XX/XXXX, I did finally reach a representative via email, who has been trying to help me from her XXXX office. But, even she, an employee, has had issues in trying to connect with someone in the New Jersey office. In the meantime, today is XX/XX/XXXX and i still do not have my refund check of {$860.00} from the Cornerstone Home Lending, due from the month after my loan was paid off in XXXX, and there is no interest being paid to me on the {$890.00} amount of money, because I do not have it to deposit in to my personal interest bearing savings account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of america is reporting that i had an account with them in the past. i have never had an account with Bank of america.
Product: Credit card

I've always made sure payments on this account are timely, never allowing them to become overdue. I'm unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 {$1100.00} appeared as a dept on my XXXX part of my credit score as being in collections. I do not owe this and never have. After research and contesting this I learned Commonwealth Financial ( who filed this ) is guilty of falsely submitting items like this many times, especially after consumer had just applied for a XXXX XXXX " fix your credit '' credit card. ( which I had just applied for ). Then they falsely put a debt on there and they offer to help fix your credit. I have contested this. Thanks
Product: Checking or savings account

Hello Team, I have a checking bank account in bank named Chime. On Friday XXXX  early morning at XXXX i got more than 1 emails notifying my useid, pwd, email and phone number for my banking account has been changed. I reported this online fraud to the Chime bank customer care but they were very cool and did not show any eagerness or concern. i was told to wait for all the 3 fraudulent transactions to be completed so they can raise a dispute. The Chime bank locked my account and then restored my account claiming now its safe to use after verifying my identity. The Chime bank also cancelled my current Debit card and sent me a new debit card. after one day again somebody used my account to make a fraudulent transaction but since there was no money in the bank acct the transaction got declined. My identity got stolen and even after the bank claimed they have secured my account again somebody used my account to do a fraudulent transaction. I need help on this identity theft matter since Chime bank is showing very neglible and muted response. ThanksXXXX XXXX
Product: Money transfer, virtual currency, or money service

I recently received a 1099 K form in the mail from PayPal for money that was sent to me by a family member, refunded, for the amounts of XXXX, XXXX as a gift from XXXX XXXX. I only received a total of XXXX as a gift from a family member, XXXX sent me a 1099 K for the amount of XXXX which is not the amount I received. 

I received a 1099-K ( 2021 ) form in the mail from PayPal on XX/XX/XXXX. The form states that I received funds in exchange for a good or service amounting to {$910.00}, but I ONLY received {$600.00} as a gift from family members. These transactions occurred between XXXX. 

Scenario : the initial payment sent was {$610.00} ( attempting to send {$600.00} ) because it was submitted accidentally as a good or service payment vice a gift ( XX/XX/XXXX ). Since the payment was put on hold ( due to it being categorized as a good or service ) my family and I called PayPal for an explanation. In the meantime, another family member attempted to send split payments of {$300.00} ea. ( one payment was accidentally submitted as good or service ) and thought that this was the reason for the hold. Once we found out that the payment was submitted in error ( good or service selected vice gift ), I refunded the amounts sent as good or service ( {$910.00} ) and received a payment of ONLY {$600.00}.
Product: Credit reporting or other personal consumer reports

I called Bank of America today XX/XX/2023 and spoke with a representative they did not have an account for me. Ive never had an account with Bank of America. They could not find me in their system. It's been reported to my credit report for over one year. It has stopped me from getting approval for an apartment. I'm applaud that a company of such magnitude would be violating my consumer rights. As of 15 Us code 1681-2 they should not be reporting information with actual errors.
Product: Mortgage

On or around XX/XX/2023 I was approved for a USDA mortgage loan of {$100000.00} by XXXX XXXX with New American Funding. 
The interest rate would be 7.125 %, the down payment would be {$1100.00}, the seller would pay {$6000.00} in closing and a {$520.00} appraisal fee was paid to the appraisal company of their choosing by myself, on XX/XX/2023. 

Fast forward to XX/XX/XXXX, 8 days before my scheduled closing date of XX/XX/2023, I was told the underwriter would not approve the loan due to my debt to income ratio. 

Therefore, they flipped the loan over to an FHA loan with 5 % interest. 
I was told the down payment for that loan would be {$5000.00}. The loan officer advised me to apply for credit cards and to take out a cash advance up to {$5000.00}. When that option did not fit my plan, she asked me to have my father sign a gift letter since he was going to give me the {$5000.00}, on XX/XX/2023. 
She also upped the loan to {$100000.00}, based on her " ideas ''. When the seller is selling the home to me for {$97000.00}. 
On XX/XX/2023 she informed me that I needed to pay the homeowners insurance, in the amount of {$2100.00}, for the year. She stated the receipt would need to be brought to closing with me. However, the current owner still has insurance on the home. 

When the final XXXX came to me on Friday, XX/XX/2023, the loan amount was {$99000.00}, the sale price was {$100000.00} and the loan amount on the originated document was {$100000.00}, the interest rate was 7.125 %. The monthly payment was the only number lower than any of the originally numbers provided. The closing cost was {$11000.00} and the cash to close was {$7600.00}. 

These numbers consistently changed throughout the entire process. Since nothing made sense and the questions I asked were not answered, on Monday, XX/XX/2023, I sent an email and explained to the loan officer that I would not be moving forward with the loan and requested that a copy of the appraisal be sent to me. 


On XX/XX/2023 the loan officer XXXX XXXX with New American Funding called me and asked me if I was going to close on a home with {$30000.00} in equity. I kindly declined the option to move forward and asked her again to send me a copy of the appraisal. She stated she would mark my application as denied and send me a copy of the appraisal. 

On XX/XX/2023 I sent an email to XXXX XXXX, XXXX XXXX, and XXXX XXXX requesting a copy of the appraisal, again.
Product: Mortgage

I want to know why Nationstar Mortgage , LLC was able to legally secure a Lender Placed Flood Insurance Policy with an annual premium in the amount of {$1600.00} on a XXXX mortgage with a principle balance of approximately {$3600.00}, when the previous year 's annual premium was {$44.00}, which covered their interest on my XXXX mortgage with a principle balance of approximately {$4900.00}. Not only did the annual premium amount change, but the coverage changed from {$4900.00} to {$180000.00}. I already had flood insurance coverage on my XXXX mortgage for {$180000.00} and the principle balance on that loan was {$100000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the 3 credit reporting agencies ( XXXX, Equifax XXXX ) 4 letters disputing the items below on my credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I want to see Verifiable Proof ( an original Consumer Contract with my  Signature on it XXXX you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX XXXX Hospital acct # XXXX XXXX Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX act # XXXX XXXX XXXX XXXX acct # XXXX XXXX XXXX  and Equifax has repeatedly ignored my 4 letters sent XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX stating that the items are verified by the company who paid them. Of course the company who paid them to put items on my credit will say they are mines. Who are these people? Where is the proof? The credit reporting agency must abide by the federal law, and delete these items from my report. With the data breeches the credit reporting agencies have had, I do not trust anything they say.