23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

SLS ended up pulling the XXXX payment on XXXX as originally requested. This is fine and we do not want any changes to this going forward to avoid causing even more issues. However, since their system incorrectly stated, even as of yesterday XX/XX/XXXX, that they would not pull the XXXX payment until XXXX, we made the XXXX payment early on XX/XX/XXXX, incorrectly assuming that this would result in the XXXX ACH being applied to the XXXX payment. The portal shows that the {$950.00} mortgage payment was reversed on XX/XX/XXXX. We have no idea when and how we will receive this reversed payment. The issues with their portal almost caused our account to be overdrawn. 

They need to make sure that their system is actually updated to reflect correct information. This is a follow-up to CFPB complaint XXXX. 

I have attached a screenshot showing the XX/XX/XXXX {$950.00} reversal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Equifax ( credit file confirmation # XXXX ), XXXX  ( credit file # XXXX ), and XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Mortgage

The home at XXXX XXXX XXXX was purchased about 22 years ago by XXXX, mother of my deceased wife XXXX. When Mrs. XXXX died in XXXX, my wife, as the beneficiary of the home and legally under XXXX XXXX XXXX was the Successor In Interest, attempted via her estate lawyer, certified mailings and multiple telephone calls, to complete whatever documents were necessary to transfer the remaining mortgage to her name. 

Repeated attempts by both our lawyer and my wife over XXXXEE YEARS failed to get the company, New Rez to forward the necessary papers for the transfer. Mrs., my wife of XXXX years, died unexpectedly in XXXX, XXXX. The documents for the mortgage transfer arrived 3 days after her death. 

Today, I am the technical Successor In Interest. I too have had multiple challenges getting to the correct people at New Rez even when I ask to speak to the person who signed the documents that arrived after my wifes ' death. That person never returned voicemail messages or bothered to call. 

Finally, a few weeks ago I received a letter that did not clearly explain the steps I must follow to make the change but clearly stated I have 30 days to act. They take over 1,000 days to act but I must act in 30. Well, I may not make that time line. Life changes when your spouse dies. I went back to work, was in the process of remodeling the house from top to bottom, started building our retirement home 100 miles from the house and really don't have the funds to hire a lawyer to do the work. 

The lack of action on the part of New Rez has cost thousands in legal fees, enormous emotional stress on my decease wife as she had to relive her mother 's death with each conversation to New Rez and we both feared some type of mortgage cancellation since it appeared that New Rez was purposely prohibiting us from securing the mortgage. We also waited patiently for New Rez to act so that we might refinance the mortgage to a rate less than half of what the rate is. 

My trust in the company is zero and I suspect that even if I send the correct forms and evidence they ask for it will be lost repeatedly so that they can ultimately try to take the house even though the check for the mortgage has had my name on them for the last 20 some years. 

I'd like some supervised guidance so that this issue gets done according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that identity theft occurred to me. In accordance with Fair Credit Reporting Act Section 605B ( a ), you must within 4 business days remove or block any items that were opened without my knowledge, consent, or authorization if you provide the following : ( 1 ) valid identification ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer stating that the information is unrelated to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

On XX/XX/22 I called Mohela to voluntarily pay off several of my student loans during the covid pandemic forbearance period. The agent that I reached verified the amounts to be refunded to me which is the amount of {$17000.00}. I asked the agent for confirmation number or a receipt. However, did not receive a receipt or confirmation number that the refund had actually been initiated. I was told to check my account periodically and so far nothing has changed and it is now XX/XX/22. I have tried several times to connect with an agent with over 2 hours of waiting on the phone and they have not seemed to be able to tell me what is going on with my refund.
Product: Mortgage

My mother passed away and the she had a heloc with SunTrust now truist but the XXXX was not valid and I suspect that they had insurance on the non validated loan which they received XXXX then they actually created false account numbers that was litterly only in the company 's back door computer systems which used to have me paying on a non validated debt that I did not create and that they had already received XXXX on I paid on this false debt that I XXXX XXXX XXXX did not create from XX/XX/year> to current date and I will be filing a lawsuit against SunTrust now truist
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian XXXX Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct XXXX XXXXXXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide me proof of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I have recently reviewed a copy of my credit report and noticed that there is a fraudulent account on my report. Please remove this account from my report, they are hurting my ability to obtain credit.
Product: Student loan

My Federal Student Aid printout shows XXXX as servicer of XXXX of my loans. When I attempted to contact this agency, the recorded message referred me to Immediate Credit Recovery. That agency refused to give me any information on income based repayment. It also refused to send me anything in writing about my loans. It does not appear on my credit reports.
Product: Debt collection

On or around XX/XX/year>, an account with Portfolio Recovery was opened for a balance of {$2200.00}. The account was placed for collection. Despite my efforts to dispute the charges and clarify the situation, the dispute was resolved with the status " dispute resolved subscriber disagrees, '' but no favorable resolution was reached from my side. 

I am requesting a review and resolution of this matter as soon as possible, as the account remains open despite the dispute.
Product: Debt collection

XXXX XXXX XXXX garnished Consumer 's wages via CSE Agency.

Consumer disputed CSE 's alleged debt in XX/XX/XXXXby way of affidavit and fee schedule. CSE Agency have not answered at all, CSE attempted to collect this alleged debt again in XXXX, ( See Exhibit 2 ) I disputed their alleged debt under 15 USC 1692g, XXXX XXXX XXXX garnished my wages due to communication with CSE Agency indirectly without Consumer 's consent.
Product: Money transfer, virtual currency, or money service

Got a call from XXXX  XXXX XXXX, claiming someone had transfer money using Zelle they used numerous times, I have a XXXX  XXXX XXXX account so Im very confused. BoA gave me a case number and 2 cancel numbers ( one for each transaction ) and told me to call zelle. XXXX claimed that because they have my cell, the scammers could do this at other banks and potentially find the one I do bank at. I did call zelle and they tried to get me to add their number as a recipient which i refused to do. I tried calling my bank but they werent helpful.
Product: Debt collection

Midland Credit Management Inc. Has stolen my personal information. I have no contract with Midland Credit Management inc. and I have never given them any personal information of mines. How did they obtain my personal information? Midland credit Management Inc is reporting illegal and unauthorize personal information on my credit report. Midland credit Management Inc is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given midland credit management Inc. Notice letters of dispute, Opportunity to cure and opt-out request. Midland Credit Management refuse to perform based on law. Midland Credit Management Inc. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling.Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue tobe harass with illegal reportting and court casses that i never agreed to or authorize this use of my personal information
Product: Credit card or prepaid card

I have a Credit Card By Chase bank and XXXX XXXX XXXX which i have been charged {$85.00} for each year since XXXX. 
I called XXXX and they had no reply for why i never received a Free night Stay in their Hotels as promised when signing for this card, they had no reply for me. 
Next i called Chase card services to waive the fee charged to my card as of XX/XX/XXXX. 
They Blankly refused to do so. 
So basically they can make all those promises and not deliver where as we are fools to believe them?? 
I want all my Fees refunded for all the years paid and that i did not receive the Free Night Stay Voucher in Mail. 
Is this not what Anti trust laws are about?? 
Any XXXX and XXXX will be appreciated. 
Thank you. 
XXXX XXXX XXXX ending in XXXX XXXX XXXX membership # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX Account Number : XXXX I looked at my XXXX credit report on XX/XX/year> and noticed some things are not accurate and incomplete. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) or any information disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been working on repairing my credit since XX/XX/2019. Last month, when I received a new copy of my report, I noticed an address reporting that is unfamiliar to me. TransUnion is reporting the address as a previous address of mine, and XXXX  is reporting it as my current address. The address reporting is : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. 
I am not familiar with this address and I have never been to Pennsylvania. I would like for this information to be removed as it is hurting my credit scores. Below I have included letters I sent to TransUnion, XXXX  and XXXX  asking them to update my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights. 
15usc 1681 section 602states I have the to privacy 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 usc 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I did not consent to, authorize, or benefit from any of the following Inquires : XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX Experian XXXX. XXXX XXXX XXXX - XXXX Experian XXXX. XXXX XXXX - XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX - XXXX 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 XXXXXXXX Experian XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX.
Product: Checking or savings account

My life savings of a stolen out of a Wells Fargo bank, and I filed a claim it was denied twice on the grounds that they couldnt find any fraudulent activity but upon my research, they didnt do any type of investigation that warrants such a decision they didnt review any footage they didnt listen to any calls to make sure that it was me or not they were based off of a automated system, and because of that my life savings is now gone and theyre telling me that theres nothing that they can do about it
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

The company name as cash app I've been using them for a little while now and never had a problem until all of a sudden something happen with their system which made it seem like there is unusual activity on my card when I tried to resolve the issue by sending them everything that I needed that they needed they still have not responded if going on almost a week and a 1/2 and they have my money that was issued by unemployment for my bills and I can even use it and they're not trying at all the time to resolve anything
Product: Bank account or service

The information associated with each electronic transaction is no longer enough to use for personal protection from fraud. For instance, an entry dated XXXX/XXXX/16 from my bank ( Wells Fargo ) that supposedly tells me what a debit card transaction was for, reads as follows : " PURCHASE AUTHORIZED ON XXXX XXXX XXXX XXXX MD XXXX CARD XXXX CATEGORY BOOKS/MAGAZINES/NEWS '' There is absolutely nothing in this entry that gives me a recognizable name of the business where the card was used. Further, I did not choose the category that was assigned. Nor is there a contact phone number, which used to be given as a matter of course. In other words, I have no way of checking whether this is a legitimate transaction or not. If I were to call the bank, which I have done on other occasions, they have no more information than is listed here. I have not disputed this entry because I remember that I purchased greeting cards on XXXX for a small amount of money. Greeting cards correspond to the assigned category, but the purchase was not in XXXX and there is no store name ( it was XXXX ), so I 'm really taking a leap of faith here. It 's not enough money to spend the time on disputing it. I 'm bringing it to you because it 's such a clear example of the problem I see. 

An entry that I did dispute last fall had the transaction categorized as a credit card payment to a company I did not have a credit card with. I eventually realized that the amount corresponded to an automatic transfer to a SAVINGS ACCOUNT at that company ( XXXX XXXX XXXX ). But Wells Fargo never was able to put that information together. I withdrew the dispute, but I was the one who figured it out, not them. Wells Fargo said they had no control over the information that came from XXXX XXXX. XXXX XXXX said they had no control over how Wells Fargo processed the information given to them. I wasted a lot of time on something that could have been a real problem, but obviously was n't if the correct facts were transferred from one bank to the other. 

I ca n't protect myself from fraud without facts. Do n't know if there are regulations associated with this issue, but if there are n't there should be. Please help!
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXXAccount Number : XXXX and so on
Product: Checking or savings account

on XX/XX/XXXX, I received an email out of nowhere that my accounts were closed after an internal investigation. I was not aware that any investigation was taking place. I was supposed to get paid XXXX XXXX and as of XXXX pm XX/XX/2025, I have not received payment. Their reasoning for closing my account was due to me being a risk.. which i do not understand. I always pay my balances with this checking account and have had CONSTANT deposits into this account bi-weekly for over a year. They are refusing to cooperate.
Product: Money transfer, virtual currency, or money service

Last month, I tried using my Zelle accounts ( which are connected with partner banks and each using a different personal email address ) to send money to another one of my other personal bank account with Zelle. Unfortunately, it appears that my activity looked suspicious and Zelle has placed flags/restrictions on my several emails/my one personal phone number, preventing me from using the email/my personal phone number with Zelle partner banks. However, the effects have had a domino effect. Because Zelle has placed these flags on my emails, I have at least XXXX different partner banks limit my ability to transfer ANY money ( not just through Zelle ). Furthermore, I have even had 1 bank account close on me because of this restriction placed by Zelle. I have talked to Zelle customer support to get the restrictions lifted. But each time, the representatives/managers say they are unable to help ; they direct me to the partner bank customer support. However, when I call the partner bank support ( and I have at least XXXX times ), they say this is a Zelle issue and I must contact Zelle to resolve this, and there is no way to lift a restriction on my basic ability to move money ( like external transfers ) without having Zelle look into the matter. As such, I am getting bounced between partner bank customer support and Zelle support. All throughout this time, this has had a debilitating effect on all my finances and I am at my wits end.