23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I changed banks to XXXX, a division of XXXX XXXX. Since I did that, Target Card Services has failed to post payments even one business week after the bank shows that the payment cleared. For example : a payment was made on XX/XX/XXXX. The bank shows that it cleared on XX/XX/XXXX. Today, XX/XX/XXXX, Target Card Services shows that the payment was made and shows the date it was made, but there is no corresponding adjustment to available credit. I see this and it looks like there was a problem with the payment. 

Even worse, a statement issued by Target Card Services on XX/XX/XXXX, the day after the bank shows the payment as cleared, DOES display a corresponding adjustment to available credit. Either I ca n't trust the online information, or I ca n't trust the statement, because they do n't agree. 

I have both called and messaged Target Card Services. Both times they cheerfully told me that I could resolve this right away if they could conference in my bank and get a confirmation that the payment ( which cleared a week prior ) actually cleared. WHAT? How are they verifying payments, XXXX XXXX? I need to conference call my bank? They did n't even offer a date for when the payment would clear if I DID N'T conference call my bank. 

This problem never happened when I was still with XXXX XXXX XXXX, but since XXXX XXXX XXXX was insanely fee-heavy and impersonal, I left. This problem also does not happen with any other credit card companies, including XXXX XXXX XXXX - it is only happening with Target Card Services. 

To add insult to injury, when I tried to reply to their completely unsatisfactory online message, the messaging system crashed. I 'm sure that was a coincidence, but I lost the lengthy reply I had composed, so it certainly did n't help.
Product: Checking or savings account

I think Bank of America is perpetuating account fraud. They have now twice opened a banking account in my name without me requesting it. The first time I assumed it may have been someone trying to execute a fraud against me but am now convinced this is a Bank of America issue. I haven't used bank of America for several years but they previously were a mortgage lender before I refinanced. As you can see in the documentation I've attached their email indicates an application was submitted online ; however, I've also attached a separate screenshot showing recent log-ins to my account. As seen on that screen I haven't logged into the account except for today to close the account and submit this complaint. I believe they are trying to create a fictitious account to charge me a monthly fee and boost their metrics similar to what XXXX XXXX was reprimanded for several years ago.
Product: Debt collection

XXXX LVNV FUNDING LLC {$450.00} & LVNV FUNDING LLC {$1000.00} THIS COLLECTION COMPANY IS NOT REPORTING ACCURATE INFORMATION THIS COLLECTION COMPANY PURCHASED THESE ALLEGED DEBTS FROM ANOTHER COMPANY AND THEY ARE NOT SHOWING SUCH INFORMATION ON MY CREDIT REPORT. 

THEY PURCHASED THEM FOR PENNIES ON THE DOLLAR AND THEY'RE TRYING TO COLLECT A FULL AMOUNT AND THEY ARE REPORTING A FULL AMOUNT WHICH IS NOT WHAT THEY PURCHASED THE ALLEGED DEBTS FOR.
Product: Credit reporting or other personal consumer reports

This is my six 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 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 XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred. Despite having sufficient funds when transactions were authorized, I was still charged fees due to lagging posting of charges and credits. This issue aligns with recent CFBP findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Money transfer, virtual currency, or money service

Well I have always been a very loyal customer to Wells Fargo all these years I always had my money going missing from my account with them I had to call them about it I had to get a new debit card because somebody took money from my account twice someone took XXXX dollars from me XXXX is always taking money from me too Im going be switching banks soon
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I tested positive for XXXX. I was placed on administrative leave from our office and didnt work. Ive been out of work since then. When I returned to work on XXXX XXXX I was told that my position with the company was limited and cut back and was laid off that day. Ive since called and spoken to Loan Me which ( XXXX ) XXXX account managers and they wont place any payment on the backend of my loan or offer any payment assistance since I havent been able to work since XXXX. The last supervisor I spoke to XXXX advised me that I would have to fall behind 30 days before any assistance can be given. This is going to negatively impact my employment since I am a licensed loan officer. I need Help on this matter.
Product: Mortgage

Freedom mortgage was the 3rd processor of my loan. In XX/XX/XXXX, i received a late payment on my 3 credit reports. I pay my mortgage online. I had asked initially about auto pay, but at the time it was down or disabled in XX/XX/XXXX. So every month i did it manually. They never send confirmations of payment. Somehow the process did not go through. They sent my XX/XX/XXXX statement and I called immediately stating I intended to pay but the money was not taken from my acct. 
I sent appeals letters with promise of a response. I signed up for there autopay however in researching the company it is no guarantee against problem with them. They promised a response which never came I called today, waiting on the phone for over 45 min to a response of " take it up with the credit reporting companies ''. 


I did not receive any calls for XX/XX/XXXX warning of no payment. 
XX/XX/XXXX, from any XXXX number. I also further researched this issue and corroborated this fact on the phone with a freedom mortgage agent today. Freedom Mortgage agent " XXXX ' '' '' also corroborated that there were no courtesy calls to me in the month of XX/XX/XXXX for a missed payment. 
The agent also mentioned it is a policy at Freedom Mortgage to make Courtesy calls to home owners when a payment is not received.
Product: Credit reporting or other personal consumer reports

Im reaching out because I noticed an error on my credit report related to a late payment on my account with XXXX XXXX XXXX, account number XXXX, and the late payment showed was on XX/XX/year> for each bureaus. Ive always made my payments on time, and I was surprised to see this late payment listed. This seems like a mistake, as Ive never missed a payment. According to the Fair Credit Reporting Act, the information on my credit report needs to be accurate, and this late payment simply isnt. Please provide documentation that supports the reported late payments, along with any records showing my authorization for these reports. If this documentation can not be provided, I expect the records to be corrected to reflect my accurate, on-time payment history.
Product: Payday loan, title loan, or personal loan

I had an account with Synchrony bank for a Rooms to Go account. I had a {$5000.00} credit limit with 0 % interest rate loan with a 5 year term. I have paid every payment on time and never been late. They lowered my limit down to the balance that was left on the account. I just received an email stating that they now have closed the account and it is showing as a settlement on my credit. I never agreed to a lump sum payment and account was always current in good standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mother XXXX XXXX and I, XXXX XXXX were on a loan that was done in XXXX. My mother filed bankruptcy in XXXX and the first loan which was XXXX XXXX XXXX and second loan which was Specialized Loan Servicing were discharged. XXXX XXXX, which eventually took over the loan for XXXX XXXX XXXX in XXXX, started a Notice of Default in XXXX and did not foreclose on the home. They transferred the loan to the second mortgage company which was Specialized Loan XXXX in XX/XX/XXXX. Specialized Loan Servicing then gave another Notice of Default in XXXX. The home was sold at auction in XXXX, XXXX for {$200000.00}. Both companies turned down cash offers in XXXX and XXXX for over {$230000.00} to come to this conclusion. There negligence in responding with counter offers after 30 days was a reason some buyers rescinded other offers also. After researching and hiring a private investigative XXXX, they found fraudulent items and all of this led to a wrongful foreclosure. Also on my XXXX Tax Return, it showed Specialized Loan Servicing 's 1098 showed my Outstanding Principal Balance is {$0.00}. My credit history was outstanding with scores that ranged from XXXX and higher and it should be back near those same scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eight attempts to tell you that my complaints must be resolved regarding to these inaccurate informations that are still repeated reporting on my credit file. I am asking for your help to investigate these informations and i think these items does not belongs to me and i never signed any agreement about this.The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. No one seems to care about this, so again, i am requesting a clear copy of my credit report without any erroneous informations again. These items must be deleted NOW : XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MA XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is against XXXX XXXX XXXX. They are in violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act because they are reporting derogatory information that is 7 years old. By law they are required to remove this information. I am requesting they remove the negative marks they are furnishing XXXX, and Experian regarding a {$2600.00} charge-off they say I owe, under my social security number. Failure to do so will result in me seeking all legal remedies afforded to my under Federal and State Law. They will be required to defend themselves at a venue local to me. Upon receipt of this complaint I am requesting they remove the negative tradeline they are reporting to XXXX immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX  XXXX Balance : {$4000.00} XXXX XXXXXXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} XXXX XXXXXXXX Balance : {$4000.00} XXXX XXXX Balance : {$9900.00} XXXX CARD XXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00} MXXXX  XXXX Balance : {$4000.00} XXXX  XXXX Balance : {$9900.00} XXXX XXXX XXXXXXXX Balance : {$9800.00} XXXX XXXX XXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the items was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Please see the attached documents for context. At this time Truist Bank has taken a stance to hold me responsible for the amount of {$870.00}. I have received no evidence that they contacted the company that scammed me nor have I received any evidence as to how they came to their conclusion to hold me responsible for that amount. I would like to dispute having to pay any money back due to me being a victim of a fraudulent act. Also, at this time XXXX has covered the fraudulent checks resulting in me paying back {$0.00} because they are not holding me responsible and they understand I am not at fault.
Product: Debt collection

Place negative reports on my credit when these accounts are not mine, I was a victim of identity theft and I let them know and had a freeze placed on my credit. They have placed this same account on my credit file XXXX. The company is XXXX XXXX XXXX and the dates where XXXX and XXXX
Product: Debt collection

The company Best Service can not provide evidence that there is a wet signature of mine on the account that they are reporting as a collection. XXXX and XXXX are not reporting this as a collection. Only XXXX has this reported as such. This debt was never mine and the Best Service Company did not provide me any info on the validity of the debt.
Product: Credit card

On Saturday XXXX XXXX XXXX I was victim of unauthorized charges on my account. These are the transactions : XXXX  {$32.00} XXXX {$67.00} XXXX XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX {$24.00} XXXX XXXX XXXX {$800.00} This all happened at once. Once I noticed this I immediately called Chime to put a stop on my credit card builder. According to them transactions settle in 3 to 5 business days and it takes them up to 90 days to process disputes.
Product: Credit reporting or other personal consumer reports

I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX and XXXX XXXXnd I am pleading with you to remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX had a fraudulent account linked to my name. I contact the bank and resolved the issue. I then filed a TransUnion dispute on XX/XX/2022, which was resolved on XX/XX/2022, and stated that the account would be removed from my credit report. 
TransUnion dispute XXXX. As of today, XX/XX/2022, the item still appears on my credit report. [ Please note that both XXXX and XXXX appropriately removed it ]. I contacted Trans Union support and they were unable to help me.
Product: Credit reporting

Names reported is wrong. Someone just misspelled my name. My name is XXXX XXXX XXXX but on my Transunion credit report it shows another person as XXXX. No XXXX at the end. This is not a XXXX person. Someone made a clerical error.
Product: Mortgage

We applied to Wells Fargo for a loan modification after my husband lost his job. The modification was declined on the basis of failed NPV. However we have appealed and they are considering our appeal. We are now 4 months late on payments. We called to make a payment today and were told that they would only accept a payment for all 4 payments ( XXXX ). They would no longer accept individual payments. To me this seems as though they are forcing us further into default rather than trying to assist us. I believe that this is a breach of the intent of the new Board of Governors of the Federal Reserve Regulation Z rules under 226.36 ( c ) for mortgage loan servicers : " Servicing practices. 

( 1 ) In connection with a consumer credit transaction secured by a consumer 's principal dwelling, no servicer shall -- ( i ) Fail to credit a payment to the consumer 's loan account as of the date of receipt, except when a delay in crediting does not result in any charge to the consumer or in the reporting of negative information to a consumer reporting agency, or except as provided in paragraph ( c ) ( 2 ) of this section ; By refusing to accept a payment online they seem to be deliberately circumventing this rule in order to force us into foreclosure. 

We fully expect my husband to be reemployed next year. At that time, hopefully with a modified loan, we hope to work out a payment plan. At this time we are simply asking the bank to accept a payment. 

Anything you can do to assist us would be greatly appreciated, Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an account on my credit report asking for verification. Never received verification about the account yet it 's still reporting ever y 2 to 3  months updating on my report with latest date reported showing  X/X/2017   . Amount past due shows {$900.00} but highest balance shows as {$900.00}. Every now and again, they update with amount past due as  XXXX  and then drop back down to  XXXX . The only remarks left from dispute were " Charged off as bad debt., Account information disputed by consumer, meets FCRA requirements '' but I have still not received any verification of the debt, to date.
Product: Money transfer, virtual currency, or money service

On or about XX/XX/year>, I, XXXX XXXX,XX/XX/XXXXof the XXXX XXXX, sent an ACH payment of to an Independent XXXX {$25000.00} ; bank information was given to the bank teller ( Chase ), and the teller introduced the wrong account number, but the problem was corrected when the bank review the payment and realized that the account information was incorrect. The funds were reversed and put back in the originator 's account ( Chase ) holder. The same mistake happened on XX/XX/year> ; in this case, the amount sent was {$17000.00}. The bank took the money and released it to an account holder within the Chase Bank system without confirming the receiver 's information after being made aware that the funds were sent to the wrong account by mistake. I have been pleading with bank officials over the phone and on personal visits to my XXXX XXXX, NYXX/XX/XXXX, and they refuse to help recover the funds. I asked the bank representatives to contact the recipient of the {$17000.00} to return the money, and they refused to do it or conduct an investigation to recover my funds. More information will be made available upon request.
Product: Checking or savings account

Direct deposit is available on Wednesdays. Due to the technical issues capital one is having I have not had access to my money and no one can tell me when it will be available. I have XXXX children - I need groceries, I need gas. I am now negative in my account because my money isnt available.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to see inaccurate accounts on my credit report, and I can't figure out why. I routinely check my credit report, but this time, there were unexpected discrepancies. I even refreshed my browser, hoping it was just a glitch, but the inaccurate accounts remained. I am deeply concerned and request a thorough review of the documents Ive sent, so I can finally have peace of mind.
Product: Mortgage

Following a series of financial hardships due to medical and work slowdowns, we were working with Selene Finance on a modification of our mortgage. 
We begin discussions with them on XXXX/XXXX/16 at which time we were assured by Selene that any other action would be placed on hold. We completed the package and returned to Selene on XXXX/XXXX/16. Without knowledge to us, the home was sold at auction on XXXX/XXXX/16 despite having been reassured multiple times that this action was placed on hold. On XXXX/XXXX/16 we received an eviction notification from the new owners of our home for 8 years where we have raised our family of XXXX children. Also on XXXX/XXXX/16 we received approval of our loan modification from Selene. Over the full course of attempting to work our a financial arrangement, we were moved from department to department and even had to deal with multiple law firms representing Selene through the process. Following this notification, we emailed and called Selene without response. When we indicated that we believed they had failed to honestly and legally represent themselves. We received a secure email link within the hour that contained a very intimidating letter that was not only factually incorrect, but written in a legalese that is difficult to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Experian are continuously adding items that were removed from my credit back on my report. In addition, inaccurate origin dates on a few accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In correspondence dated XXXX XXXX, 2017, I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either. Furthermore, I sent them another dispute letter ( see attached ) last XX/XX/XXXX listed the item I have been disputing. According to the NATIONAL CONSUMER ASSISTANCE PROGRAM, there should be a citation of the consumer 's SSN and DOB on these items. This is not the case, making these items unverifiable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$13000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$460.00}XX/XX/XXXX XXXX XX/XX/XXXX -- {$590.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$690.00}XX/XX/XXXXXXXX XXXX XX/XX/XXXX -- {$480.00} XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- {$920.00} XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX