23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2023, I went to XXXX 'XXXX XXXX and purchased gas and as I left, I received a text message asking me if I made a purchase to XXXX XXXX and I said no. I then called them and they advised me that my account had been compromised and they sent me out a new debit card. On the XXXX of XXXX, I received the same text message asking me if I made the same charge and I didn't respond until the next day in which they had blocked my debit card again. I spoke with several representatives who was advising me to switch my debit card again or change accounts and that wasn't a solution for me because if my debit card number was changed, and they got the new card information, there wouldn't be any resolution. I called back and asked to speak with a fraud manager and she advised me have the debit card changed to a new debit card number which is called CIN Collapse with Citibank CRU Team. I agreed but was not satisfied with the resolve. I stressed that this is the 2nd weekend that I am going on without having access to my money. She said that I could walk into the branch and get money and that Monday I walked in a Citibank branch and had no access to my money. I called the fraud team back and was told that my account didn't look like it was a checking account but a pre paid account. I was told that I would receive a call back but never did. I got a new debit card that Tuesday and everything worked fine until today XX/XX/XXXX. I received a call from Citibank and I couldn't hear the representative and asked her to call me back. After 10 minutes passed and no callback, I decided to call Citibank to find out what was going on. I spoke with a representative who had me to verify my information and then was advised that my account was being closed because someone tried to access my account from XXXX. I advised her that I have never been to XXXX and that no one but me have access to my account. I then asked to speak with a supervisor and she said that she was sending them an email and they will call me back. I was not okay with her explanation and I called back. I was then told that my account was not being closed due to someone accessing my account in XXXX but because some merchant and consumer rule was violated and I asked for a supervisor she also said someone would call me back and abruptly hung up. I have direct deposit other transactions that are scheduled this week and my account is restricted. I am very upset about this and I will be going into a branch as soon as I get back in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th 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. 
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
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify customers of dispute outcomes. These failures align with my experience, where Experian neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate correction actions to remove or amend the dispute accounts, as Experians inaction violates federal law and my rights as a customer.
Product: Payday loan, title loan, or personal loan

I contacted this company and requested proof be mailed confirming this debt they are attempting to collect is truly mine. I contacted them in early XXXX of 2017 and they hung up on me when I requested this proof of debt. My father passed away late XXXX and the harassing phone calls continued, they not only called me, but my boyfriend, my boyfriends mom, my sister and brother. They call from different phone numbers and show up as robocalls. 2 numbers they have used are XXXX and XXXX. The latter number states they are Northwood Asset Management Group. I do n't know how they got my families phone numbers, I do n't appreciate the harassing phone calls nor the failure to provide via mail proof that I owe this debt. I 'm seeking assistance in stopping these harassing phone calls. My next step will be a cease and desist letter and contacting an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on XX/XX/2018 from XXXX that states it is a airline/hotel credit card but I have not applied for anything. I have read several complaints on this " nonexisting '' company. Company information is as follows XXXX. XXXX XXXX XXXX, FLA XXXX XXXX
Product: Mortgage

Novad Management Consulting, LLC ( NOVAD ) is HUD 's servicer for my reverse-mortgage. 

I have been contacting Novad for months. I have sent several emails to XXXX I am trying to do a Loan Payoff for the home, so i am able to get my home back. Through the months i sent 19 emails, 2 emails directly to XXXX and made over 18 calls. I have yet been called back or received my Loan Payoff Request information. 

On XX/XX/2022 i did receive 1 email on the process for a loan payoff.

which is as follows : The request should include : 1. The FHA Case # 2. The borrowers name and signature ( if applicable ) 3. Property address 4. How you would like to receive the payoff ( Provide Fax # or Email address ) 5. Requesting partys signature 6. Appropriate authorization ( Signed and dated by Borrower or Legally Authorized Representative ) 7. Supporting legal documentation ( Will, Trust, Letters of Testamentary, POA, Death Certificate etc., if applicable ) I followed the directives and on XX/XX/XXXX faxed the filled out completely information to Novad for my Payoff request. I still have not got a call or anything in the mail for my information on how to Payoff this loan. 

On XX/XX/XXXX i contacted Novad and spoke with a woman who noted this information At this time i feel like i am being totally ignored and getting the run around so i am not able to do a Loan Payoff. Which i feel is a violation of the Real Estate Settlement Procedures Act ( RESPA ) I am elderly and ill and i think they are just giving me the run around, All i want is my Payoff Information and information to have the opportunity to get my home back!
Product: Debt collection

Good day, can't stress enough on how frustrating and debilitating this is, you wake up one day and to your surprise you have a debt you know nothing about, unverified and that simply just isn't yours, receiving harassments from a multitude of communication platforms and with different tactics, I never dreamt of eating threats of legal action for breakfast. This is really insulting to me as a law-abiding citizen, having my rights as a consumer blatantly violated. It's taking a toll on my mental health and it's also been days I've been having sleepless nights.
Product: Mortgage

In XXXX I sold my house located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. 
The mortgage bank was Select Portfolio Servicing, Inc ( SPS ), Account Number XXXX. My mortgage has an escrow account with a balance of {$1100.00} to my favor. SPS made a mistake and sent the check to the address of the house that I sold at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, instead of sending the check to the forwarding address on file. For this mistake, I did not receive the check. I called several times SPS during XXXX and XXXX asking for my check. On XX/XX/XXXX SPS sent me a letter saying that they were in the process of reissuing the check. Several months passed and I did not receive the payment. On XX/XX/XXXX I called SPS again and they said that they will mail check in the next 30 days. On XX/XX/XXXX I called SPS again and they repeated the same thing, that they were going to send check in the next 30 days. It is XX/XX/XXXX and I have not received the check. It is simply unacceptable that after 26 months I have not received my money from the escrow account.
Product: Credit reporting

Our families personal information was recently compromised during the recent XXXX XXXX XXXX XXXX hacking. We would like to verify that no fraud has occurred on any of our accounts, to include our children 's. Yesterday I received a telephone voice mail from the following number : XXXX stating that if I did not call back legal action would be taken against my name. I XXXX this issue and it appears that other people have gotten a call from these people as a " XXXX '' scam. Needless to say I did not return the phone call.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 
( Capital One # XXXX  ) ( XXXX XXXX # XXXX  ) has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.15 U.S.C 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, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Hello. 

I made a deposit to my account at a Wells Fargo atm machine located at XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The atm was XXXX. I initially wanted to deposit over {$500.00} but since the atm only took up to XXXX bills at a time I had bills spit back out to me. I still was within my limit so I put more money back in to complete the deposit and the machine jammed on me. I took 5-10 minutes of me sitting there for the machine to say that it was experiencing a jam and unable to deposit my money. I was told to enter the amount that had already been deposited and they will credit my account. I then received a receipt after I entered the amount of {$400.00} saying that i was credited XXXX cents. The receipt reads We are already working to credit your deposit. Here is what you need to know : You so not need to take any further action. We have credited XXXX as a placeholder. We will fully credit your account within 2 business days. I still have this receipt and I wanted 2 days. I still wasnt credited the amount which I needed for rent. I called the customer service line and they put in a claim. When I called the claim specialist the next businesss day I was told that If i hadnt called nothing wouldve been fixed and checked for me. That was very sketchy and ridiculous to me. She then said that it would take up to 10 businesss days to be resolved. Ive contacted claims multiple times with no valuable update but to wait. Finally on the 10th day which was the 16th I received a claim letter that it was denied. When I called a claim specialist they said they didnt find me depositing anything. When I asked if they checked the cameras because I was there for over 20 minutes they said I would have had to been waving the money to the camera. At 10 at night?? Waving the money in a suspicious area I couldve been robbed easily. This woman name was XXXX. I had to send me to a manager above and she couldnt reach them. I also had them send me to the executive office and still nothing. At this point this is insane to me and I didnt even think this type of thing could happen. Wells Fargo stole my money and Ive been a customer with them since XXXX with no fraud on my account and no reason to lie about this situation. After submitting this report I have already talked to my lawyer and prepared to take more steps to get this situation resolved.
Product: Credit card or prepaid card

XX/XX/2022 and XX/XX/2022 ive applied for the XXXX  XXXX  XXXX XXXX due to XXXX  andthey denied my application twice after putting in my social security number twice. for personal family and household 15 U.S. Code 1691 - Scope of prohibition 15 U.S. Code 1681m - Requirements on users of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have had my mortgage since XXXX. In that time it has been transferred a few times to other mortgage servicers with no issue. I was notified on XX/XX/XXXX. XXXX that my mortgage company XXXX XXXXXXXX XXXX would be transferring my mortgage to XXXX and would be subserviced by XXXX XXXX XXXX XXXX beginning XX/XX/XXXX. The transfer happened and I began being serviced by XXXX XXXX XXXX XXXX During the time of transfer I was on a Covid forbearance and I am still on a forbearance plan until XXXX of XXXX with my new servicer. I received a message two days ago from XXXX XXXX advising that my credit score was decreasing and there was a new inquiry. I have noticed since the transfer that my credit score has continually decreased and I could not figure out why. I checked XXXX XXXX and it shows that I have two mortgages. One with XXXX XXXXXXXX XXXX and one with XXXX XXXX XXXX XXXX  with balances of almost XXXX XXXX dollars. This is completely incorrect. I have one mortgage and because there are two showing up it has destroyed my credit score. My Fico score was at close to XXXX and is now showing on Transunion as XXXX and XXXX is showing XXXX which is very disconcerting to me. I work very hard to pay all of bills on time and this is ruining what I have worked so hard for. I want this corrected and for my credit to show that I have one mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$910.00} XXXX  XXXX Balance : {$4600.00} XXXX XXXX Balance : {$150.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00} XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$41.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

This negative collection account by Debt Recovery Solutions was reported to the credit bureaus, and added to my credit report of XX/XX/year>. I have NO KNOWLEDGE of this debt, and have never personally had an account with Debt Recovery Solutions. 

I also search up on the XXXX  website to verify if this company is legally licensed to collect any debts for the state of South Carolina, where I reside as a resident and they do not. 

Any attempts that DRS is making to collect on a debt within South Carolina would be considered illegal due to no license. This is fraud.
Product: Money transfer, virtual currency, or money service

ZELLE. 
I used this via the XXXX XXXX App to supposedly pay for an engine ; i never received it due to the " company '' was a scam. Then the scammer used zelle to obtain {$850.00} twice and {$970.00}. I caught the second two transactions BEFORE they were processed and called XXXX XXXX requesting that they stop those transaction due to them being scam and was told that they couldnt stop it due to the money going through ZELLE. 
I have filed a dispute 2 times via XXXX XXXX, once as a fraud case, then as per the Zelle represented as a scam case. 
XXXX XXXX stated that the case was declined for repayment, even though XXXX admitted that it was certainly a scam ; and gave me Zelles phone number. 
I have tried multiple times to reach out to Zelle today to dispute this but can not reach a representative!!!! 
This is a travesty on how they conduct business. Basically XXXX XXXX states that Zelle will not repay my money, and I can not reach them, ( ZELLE ) thus they have aided the theives in fraudulently taking my money!!!!

I reached out to the company that I received a receipt from ; they told me that 3 other customers had called them that day with the same complaint. And MANY others had over the previous two weeks prior to my call.

This is a apparent scam to everyone except those that make the decision to refund the money!!! 
I have included a copy of the scammers receipt
Product: Mortgage

After three years of dealing with Nationstar through an attorney and thousands of dollars of erroneous fees and attorney fees that have not been recovered, this account was recently modified. 
While waiting for the escrow analysis to be completed in XX/XX/XXXX, the XX/XX/XXXX payment was sent in for {$1300.00}. 
Once the escrow analysis was completed, the payment of {$1300.00} was calculated. 
This amount is incorrect because it was calculated before the credits were applied. The credits were due to us due to Nationstar 's improper application of insurance from XX/XX/XXXX-XX/XX/XXXX and the accumulation of erroneous fees. 
With a new loan term and appropriate credits applied, the payment calculates to {$1300.00}. 
We have brought this to Nationstar 's attention and have been put off with replies from representatives telling us " we do n't reamortize ''. The loan was NEVER properly amortized in XX/XX/XXXX. 
Please answer the questions we have written and called about since XX/XX/XXXX : 1. Where did the overage go from XX/XX/XXXX payment in the amount of {$1300.00}? We did not ask for this to go to the principal. 
2. Where is our correct statement of escrow credits and correct new payment after modification and credits? 
3. What is the additional {$8.00} added to monthly payment shown on the escrow statement? 
4. Where is our refund of the {$9.00} fee that was charged for the XX/XX/XXXX payment? ( Our XX/XX/XXXX payment was sent in by check. The check was sent back to us on XX/XX/XXXX stamped received by Nationstar on XX/XX/XXXX. The note said borrower information unknown. We were assured by Nationstar representative that there would be no late fee applied due to this error. We paid online to avoid a longer wait by mail. The fee was not removed or refunded as of now. )
Product: Debt collection

Dynamic Recovery solutions is harrasssing and calling me when they were asked repeatedly not to
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a copy of the letter I received from XXXX XXXX requesting the credit bureaus to re-add the tradeline that was mistakenly removed, back to my credit report. It still has not been updated. The credit bureaus take no delay in reporting incorrect or damaging information to a consumers report, but takes all the time in the world to fix a problem or update positive information to a consumers report. Please be advised : According to the Fair Credit Reporting Act, I am permitted to have accurate and true information reflected in my credit report. To accomplish this, I am requesting that my good pay history with XXXX XXXX be added as soon as possible. The account has been open since XXXX 2017. 

I have attached paperwork proving that the account should be reported under my social security number for your review. 

I understand that, A consumers credit report should reflect completeness and accuracy within a reasonable time after notification by the consumer. I look forward to receiving an updated copy of my credit report reflecting this change.
Product: Credit reporting, credit repair services, or other personal consumer reports

Following accounts Experian XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX  XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXXXXXX  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: Debt collection

Kay jewelers called my job looking for me. They claimed they were a bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/22 We have disputed the Account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XX/XX/2021 XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXXXX/XX/2021 -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 an account without my written instructions.