23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Before XXXX took over my loan I was with SPS ( Select Portfolio Servicing, Inc. Loan # XXXX ) They did a loan medication for me please see attached documents for proof. Apparently when my loan with SPS was transferred payments were missing to XXXX that were not and paid. On XXXX XXXX, 2014 When I spoke to Nationstar from accounting department he noticed that SPS did not send my loan medication documents and a lot of documents were missing including payment history when the transfer took place. When I spoke to XXXX they were not aware that there was a trial period for a Loan modification and approved before the transfer. In the meantime, there were payments and escrow missing which should not. I was told XXXX didnt receive XXXX, XXXX, & XXXX 2014 payments. Of which Proof of payment history showing XXXX and XXXX 2014 was paid to SPS. When XXXX payment was mailed to SPS Ck # XXXX I was told by SPS that they received this payment and will over nigh it to XXXX tracking # XXXX. At first XXXX told me in XXXX 2014 that they did receive the XXXX 2014 payment and even gave me the check number. After 3 weeks when that check didnt cash I called XXXX and was told they did receive the payment, but dont know what happen to it and if I can put a stop payment on it. Well the next day I received from XXXX a letter with the check stating they are returning it because they dont know where that payment belongs too. So on XXXX XXXX, 2014 not only I wrote another check # XXXX replacing ck # XXXX I also mailed XXXX 2014 payment. So Since XXXX 2014 no one has done anything to correct this issue. From XXXX 2014 till XXXX 2014 I was harassed every day or 2nd day that there is payment missing and my account is past due. Each time you get a different person and I had to explain no when they check my account they see notes and tell me we see proof of payment, but we are very sorry no one has done anything with this. I was harassed and was told research will be done and corrected no one did anything. I was told this will take up to 30days to fix the problem. In the mean Time Im being harassed with phones calls and receiving forecloser letters. On XXXX XXXX, 2014 I was harassed so much and stressed out so much from XXXX irresponsible and unprofessional staff that it caused me to go to the ER with a XXXX XXXX of XXXX that they immediately took me in to give me medication thru the XXXX to bring the XXXX XXXX and not cause a XXXX XXXX. And yes XXXX did call me in the morning on XXXX XXXX, 2014. I have  no problem providing proof of documents that I was at the ER that day and what my XXXX XXXX was. As of today I still have not receive reimbursement back for over payment that I was forced to pay to avoid foreclosure. Please help me get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello cfpb, the following list of dates and corresponding company names are fraudulent inquiries on my credit report that I did not authorize the companies to pull my credit and should be removed from my credit report. 

XXXX. XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX. XX/XX/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 XXXXXX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX, XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX. XX/XX/XXXX- XXXX XXXX XXXX. XX/XX/XXXX - XXXX XXXX XXXX. XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXXXX. XX/XX/XXXX - XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Thank you in advance, Respectfully, XXXX XXXX
Product: Credit card or prepaid card

I went to Macy 's at XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX on Wednesday, XX/XX/2022. I took items to check out at a register and was asked if I had a Macy 's card. I let them know that I did but I didn't have it with me. The cashier told me they could look up my account and charge it to my card. They asked for my ID, checked me out, and then after leaving I got a text message about registering my new Macy 's card. I checked the receipt and it was charged to a card with a different card number then my existing card. I did not agree to sign up for a new Macy 's card. New card ends in XXXX, my current card ends in XXXX. I attempted to register the new card, but no new card is shown on my Macy 's account. I called customer service on Thursday, XX/XX/2022, who claimed they cancelled the new card, but on Friday, XX/XX/2022, I got another text asking me to register my new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been reaching out XXXX, Experian and XXXX since XXXX to try and fix fraudulent accounts in my credit report. I have bought services and on multiple occasions I have tried disputing these fraudulent accounts online and over the phone. I have also mailed letters to addresses they provide online and the phone. The last dispute was filled on XX/XX/XXXX, and the incorrect information is still showing even after years of disputing the information. I have provided identity theft reports and all documents the have requested and nothing has been done.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/2022, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXXXXXX XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card or prepaid card

Citi Card has a " Two '' payment only rule per day - I didn't know - when I tried to make a 3rd payment on the due date it was rejected, I contacted citi card thru chat and one rep ( XXXX ) told me he will do the 3rd payment on my behalf to avoid interest charges and keep a {$0.00} balance, I noticed, the following day, I still had a balance and contacted citi card again ( thru chat ), a second citi card rep ( XXXX XXXX told me my payment was still pending, my balance was " XXXX '' and I had nothing to worry about. on the third day, I received my new credit card statement and to my surprise, I saw a carry balance with interest charges. They lied to my face.
Product: Debt collection

Around XX/XX/XXXX I received a package of documents from Resurgent via LVNV Funding LLC for an alleged XXXX XXXX XXXX from XXXX. The bill has both my first and last name hugely misspelled and I never had an account with XXXX. 

My name is XXXX XXXX XXXX and the letter and debt are in the name of XXXX XXXX. Not me or my correct name. 

I called and communicated that the debt is either error or fraud and then continued to pressure me to pay the debt. The alleged debt alone is over XXXX XXXX XXXX. 

The date of the alleged debt is XX/XX/XXXX The amount is {$310.00} with an interest of {$420.00} for a total of {$730.00} I also looked online and LVNV Funding LLC is notorious for these fraudulent attempts to collect on debts. 

If I owed this alleged debt I would've learned of it far earlier than XXXX  years later.
Product: Credit card

Proper credit card shows credit limit of {$500.00} with new balance of negative {$110.00}, XXXX available credit, and new got the entitle refunds with no cards and access to account.
Product: Debt collection

NACS, North American Credit Services calls to collect debts and uses " XXXX XXXX '' as the name of company calling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 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 and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 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

We had an account that was set up on automatic payment but unbeknown to us the company did maintenance internally on their systems and it deleted out automatic payment setup. By the time we realized that a payment hadn't gone thru and made the payment they reported us as 30 day late on our credit reports. This is extremely detrimental to our goals and not representative of the actual situation. We have tried disputing the late payment with the credit bureaus but haven't had success. Please assist us in getting the late payment removed from our credit reports with the three credit bureaus as this was not a late payment that was our fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello this is a formal complaint to request all credit reporting agencies including XXXX, Transunion, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX  # XXXX, LA XXXX XXXX # XXXX, LA XXXX XXXX # XXXX XXXX LA # XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXX # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.
Product: Checking or savings account

My husband 's ex employer said they overpaid him for paid time off that you took and they took the whole amount out of our check with made an overdraft the bank covered it and then left us with {$15.00} in our account
Product: Credit reporting

I have been disputing a XXXX XXXX account displaying on all XXXX major credit bureau since XX/XX/2016. The XXXX XXXX account in question is XXXX. XXXX and XXXX conducted their investigation and deleted the negative information reflecting on my credit report. Unfortunately, Transunion is being very uncooperative and using delay tactics contrary to XXXX & XXXX to resolve this matter. I have been disputing the information on this account with Transunion since XXXX 2016. Documents can be provided upon request..
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB:XXXX  XXXX XXXX XXXX SS : XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern : Your company has been listing these items inaccuracy, no name of creditor, no contact information, this is inaccurate reporting 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 demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) 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. 

I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification COLLECTION XXXX Unverified Account COLLECTION XXXX Unverified Account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX NOT MY ADDRESS XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX, GA XXXX XXXX XXXX  XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX XXXX NOT MY ADDRESS XXXX XXXX, GA XXXX XXXX XXXX
Product: Mortgage

I spoke with XXXX XXXX office and they told me to contact you. ASAP I'm currently update to date on 1st Mortgage payment.. THIS IS ONLY ON THE 2ND MORTGAGE PAYMENT On the 2nd Mortgage payment this place is : NEMOVI LAW GROUP @ XXXX XXXX XXXX XXXX XXXX. XXXX, CA XXXX PH XXXX KEEP harnessing me!!! They keep CALLING ME AND SENDING THREATEN LETTER THAT THEY WILL TAKE MY HOUSE, im a senior and XXXX years old, and my health is not good. There TRYING to FORECLOSURE ON ME. I NEED YOUR HELP IN THIS MATTER. I DID try to pay them but in XX/XX/XXXX everything went upside, and my wife had XXXX this is the XXXX Mortgage fell behind and I did make a few payment. Now today I received a letter date XX/XX/XXXX, they are threaten ne m since this Conv-19 have been going on, my funds are really low and very hard for me, I'm now XXXX years l old and on a fix income of {$900.00}. I'm asking if you can contact the place that took over for XXXX XXXX and have them to write it off and STOP with all the threaten letter and calls. Possible able to W/O to excuse this loan was back in XXXX XXXX XXXX had it back XX/XX/XXXX-XX/XX/XXXX, they closed down and the company is NO LONGER in business and XXXX XXXX XXXX took over the 1st mortgage, but they did NOT take the 2nd Mortgage. Thank you so much look forward to hearing from you soon XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XX/XX/XXXX I would like my credit profile to be reviewed because I had some issues over fraudulent addresses and information on my credit report! I was out for XXXX leave from the U.S. XXXX and someone was using my ID for credit and loans. Please delete the following addresses they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, SC XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from XXXX, XXXX and XXXX credit monitoring that a new inquiry hit my credit report from JPMCB XXXX XXXX on XX/XX/2021. I did not make this inquiry and reported this as fraud to XXXX, XXXX and XXXX credit monitoring. All three monitoring services advised that the inquiry came from JPMCB XXXX XXXX/ XXXX / XXXX XXXX XXXX, XXXX, DE XXXX. Please assist. Thank you.
Product: Checking or savings account

I. XXXX the bank on XX/XX/2019 spoke with a representative at citizens bank to see if I deposited {$50.00} if that amount of deposit would be sufficient. He stated yes. This morning I wake up and my account is overdrawn {$65.00} there stating that the {$50.00} I deposited wasnt not sufficient but it is. I had {$12.00} plus the {$50.00} is {$62.00} My 2 transactions arent coming out until XX/XX/2019. 
This bank wants to make up there own rules. And charge me XXXX twice.

Citizens bank. 
Now my account is going to keep getting negative until I can get enough money to cover the overdraft fees.
Product: Credit reporting or other personal consumer reports

This is my OTHER 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX Balance : {$2200.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$67.00} XXXX  XXXX XXXX Balance : {$53.00} XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i look on my credit report unknown things on report these are the list of the inqures i want revomed. XXXX XXXX on my report 2 times. XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Select portfolio servicing for XXXX XXXX has {$370000.00} principal payments I made to two mortgages from XXXX XXXX XXXX XXXX XXXX. They returned {$83000.00} -apparently from my escrow account and then kept all of the {$350000.00} the buyer gave me for my house in XX/XX/XXXX. 
The pay history shows a new loan of {$270000.00} I did not sign and no one gave me. There is a {$230000.00} loan disbursement that I believe paid off the real mortgage that XXXX XXXX  failed to release.because of this I now owe about {$30000.00} in taxes and penalties on {$120000.00} I had to take from my retirement to close on the new house. I bought the old house for {$260000.00} in XXXX. I put {$60000.00} down and mad {$620000.00} payments. I sold it for {$360000.00} and spent my retirement to buy a {$210000.00} house.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX # XXXX, XXXX, and XXXX Has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2. It also states that a consumer reporting agency can not furnish an account without my written instructions.

18 usc 1028
Product: Credit reporting, credit repair services, or other personal consumer reports

There was inquires from Chase Bank USA, N.A on XX/XX/2018 on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help
Product: Money transfer, virtual currency, or money service

I lived in XXXX and lately I have been scammed online. I was paying a XXXX XXXX for a package of online for a friend. Unfortunately, it turned out that the whole situation was a scammed. 
I made an initial transaction of usd {$3000.00} sending to an account given but made a mistake written my name as the receiver. I cancelled immediately on the same day at my bank ( in a couple of hours ). This occurred on XX/XX/2021 and the banking process was finalised on XX/XX/2021 that the account holder will not release my money. I have spoken to Suntrust Bank, I was unable to solve the issue. 
I have lost usd {$8600.00} to the scammer, the total amount requested which I can not contest as I have sent in his name but the first transaction was sent wrongly under my name and the bank should have hold onto the money as requested by the sender ( me ). 
Please help me to expose these scammers and return {$3000.00}.
Product: Credit reporting or other personal consumer reports

I have informed all third parties entities of the GLBA privacy rules clear and conspicuous notice of the financial institutions information sharing policies and practices. The privacy notice must be provided when a customer relationship is established.Providing customer the right to opt out of having their nonpublic personal information shared with non affiliated third parties.financial institutions must process opt-outs within 30 days or refrain from disclosing account numbers or similar forms of access codes to any non affiliated third parties for marketing purposes..15 USC 6809 ( 4 ) 15 USC 6809 ( 3 ) Ive asked for the consent form and have been ignoredEXPERIAN, XXXX, XXXX are non-affiliated third parties entities. Im asking CFPB to enforce these laws under the Gramm-Leach-Bliley Act with authority.6809 ( 9 ) 17 CFR 248.124 15USC 6802 ( d )
Product: Student loan

My loans are in interest-free forbearance. My interest rate is 0 %. Additionally, my previously email from my loan servicer, MOHELA, on XX/XX/year> stated my loan is interest-free during the forbearance period. On XX/XX/year>, I received an email stating during periods of forbearance, interest continues to accrue which contradicts their previous email and my current interest rate which is set at 0 %.
Product: Checking or savings account

Client paid through check for {$50.00}. Bank accepts check. 3 months later, bank returns check and removes {$50.00} from my account for non-legibility, images received by bank and returned to me are perfectly legible. No further guidance was given to me regarding a return of my funds.
Product: Credit card

Cash app closed my card on XX/XX/2023 and I have asked through the app, email, text XXXX XXXX USPS and other CHAT type of apps for details why my account was closed? And they keep saying that they have no further information. I have escalated my request over ten times. I have written to the XXXX, XXXX and to XXXX XXXX in California at Block Inc, the parent company. ABSOLUTELY NO ONE HAS TAKEN THE TIME TO VERIFY what the real issue is/was. It is as if they are too lazy to get a forensic accountant to look at my claims. I didn't violate their policy. And if I did, prove it. If sending the man I XXXX XXXX XXXX with ( my brother ), money that owed him ( still under {$1000.00} by written policy ), then they shouldn't say that there's no problem with that. But they have not changed who I can send direct funds to. I have asked if they treat their other stockholders in the same manner .... I haven't received an answer for that question either. And I do have stock through XXXX XXXX. 
How are they still giving raises and promotions ( XXXX ) while the stock is falling and they are failing at answering the basic questions for an account that they closed? 
" You violated your account. It's closed. '' What did I do? 
" We will email you. '' But what did I do? 
They never told me by email, chat messenger or USPS. I contact them and keep escalating and they keep saying that someone will email.