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

I have been working with Wells Fargo Estate Care Services to close the accounts of my deceased sister. I have spent multiple hours on multiple phone calls with multiple representatives, as well as spent hours in a Wells Fargo branch working with a banker.

There has been repeated changes in the requirements that Wells Fargo has for successful closure of the account. Each time that I have satisfied one request, Wells Fargo has changed their requirements, or told me that the previous representative did not accurately describe the requirements.

As directed by Wells Fargo, an affidavit of small estate transfer ( for Arizona ) was signed and notarized. An additional document called an Account Close or Partial Withdrawal Request - Deceased Customer was filled out with the successor identified. The successor is a Wells Fargo account holder. Section 8 of that document ( provided by Wells Fargo and which was created by Wells Fargo in XXXX ) says " Notary Certification ( Must be completed if Successor is a non-Wells Fargo customer or if Successor is returning the form via mail ). '' Since the Successor is a Wells Fargo account holder and provided the account number to transfer funds into, the document was not notarized ( per Wells Fargo instructions ). However, Wells Fargo rejected the document and now requires it to be notarized, which could have been done weeks ago and requires more time, expense, and effort.

Furthermore, one of the accounts is a business account for a business that was administratively dissolved by the State of Arizona in XXXX. In a XXXX minute conversation with the XXXX XXXX representative who deals with business accounts, I was told exactly what to write to provide the branch XXXX with a record that would allow the account to be closed. I did so. The next XXXX XXXX representative then rejected this document and requested evidence from the XXXX of Arizona about the administrative dissolution. That evidence ( which is publicly accessible from the official XXXX  XXXX XXXX website was provided ). However, the Estate Services representative again rejected the request to close the account and asked for additional documentation in the form of current minutes for the corporation, which hasn't existed since XXXX. 

The constant changes in requirements, the repeated requests for additional and conflicting information, the excess amount of time spent, and refusing to abide by the terms of their own document instructions leads me to feel that Wells Fargo is acting in bad faith.
Product: Credit card

Today XX/XX/2023 I called at XXXX to initiate a dispute with a charge on my card. XXXX picked up the phone and he was unprofessional and wanted to always relay the call to someone else. He refused to let me speak to a supervisor. Then XXXX picked up and he started the dispute but did not tell me he was doing the dispute and just told me that Chase did not have any rights to dispute the charge with an airline. He denied my dispute and later I got a letter by email. I requested to speak to a supervisor regarding XXXX and also wanted to know if my rights as a cardholder were being violated. I was confused why they could no start a dispute. I have other credit cards like XXXX XXXX, XXXX XXXX and others that I have filed disputes with an airline for various reasons and I have won the dispute and no questions asked. But with Chase it seemed that they did not want to do the dispute from the beginning. They did not even ask me what the reason was for the dispute. I spoke with XXXX a supervisor and she told me that they did not do any disputes regarding airline purchases. I want to know why if other credit cards can do it why is Chase refusing to do a dispute. I don't know if it is lazy ness from representatives or they are afraid of airline companies. Regardless I told XXXX that I would file a complaint to find out the truth. I also told her that I want a credit card that is working for me and not me working for the credit card. Is absurd that with my Chase slate edge just got approved a {$4000.00} dollar increase but for what reason if I can't use it. If I charge something else then the dispute will be denied is worthless. I have a perfect credit score so I am confused why I am being denied a dispute on my credit card. Maybe Chase is not worth it like the others or maybe is racial profiling.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several collections were added to my credit report that had been removed previously.
Product: Debt collection

XXXX XXXX XXXX calls every other day while I am at work. They contacted my husband 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) On XX/XX/XXXX I was out of signal and XXXX tried to get him to set up a payment plan, tried using intimidation tactics and said he will note that we promise to make a payment amount of {$100.00} on a due date at the end of the month to which my husband declined, they tried to guilt trip him by telling him shes your wife, you should want to help her. We are in Montana where a spouse is not liable for another spouses debts. He told them we would figure something out when I was back and they continued to push him to set up payments for me, warning him that it could be in court next week.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting act XXXX 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year>
Product: Student loan

I attended XXXX XXXX XXXX, wa XXXX and university of Idaho in XXXX XXXX, ID ) now my student loans ( both federal and private ) are in repayment w XXXX and Salliemae. My XXXX major complants is that after I qualified for IBR plan they sold my loan to another agency without contact me and now XXXX having trouble with a third company and having to reapply for an IBR. In addition XXXX has removed funds out of my bank account without permission, multiple times over the last 6month 's. I have called once to four times per day directly to the onbuds but have not received any calls or written statement of the finding or request for more information. After XXXX requests, in the last 6 months, for a written statement of the repayment agreement, I still have n't received any written agreement or information on why they were not able to provide that information. On top of several problems I have had with both XXXX and Salliemae they are not correctly reporting to credit agencys ( they say that I am making late payments on my loans although they are the ones that are removing the funds out of the account. When I called them on it they said they would forward the inquiry and when the a supervisor got back to me they said it was do to processing time and days that the banks are open. They did tell me in order to get this up to date i would need to make a double payment in one month. However due to the fact XXXX is withdrawing over double the agreed monthly repayment amount. I really feel like manyof these tactics and actions are illegal and I have been advised by more than XXXX professional service to sue, however I do not want to take this action but I will if it is truly necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection item recently appeared on my credit report The collection account is reporting in error. 
1 ) The collection company is National Credit Adjust the original creditor is XX/XX/XXXXthe first problem is I have never been contacted via phone or mail from the collections company, I have never sign any contract or received service from National Credit Adjust company 2 ) The original creditor XXXX appears on credit report showing same account number and listed as discharged in bankruptcy The problem is the collection company CAN NOT collect without a Contract or agreement CAN NOT collect on a discharged bankruptcy item Also the credit bureau cant not reference both accounts same account number with two different companies attempting to collect discharged debt Im requesting both validation of debt showing my signature, address and consent to service Proof that the collection company is licensed in my state Proof that services were provided to me with my consent
Product: Credit reporting, credit repair services, or other personal consumer reports

I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON XX/XX/XXXX AND XX/XX/XXXX FOR MY XXXX XXXX  ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNT FOR I HAVE BEEN A XXXX XXXX MEMBER SINCE XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by a caller XXXX XXXX to send money as a scam and the person had my account details from my citi bank account... they have my address my social security and all my information .... I ask the bank to reverse the transaction I'm waiting for a response from citi bank. As I spoke to XXXX customer service and they told me that citi bank has the power to dispute and reverse the charges... please print and publish my story..
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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: Debt collection

I have contacted them trying to get information on this debt, I was given the information and after contacting them they have continuously called me to try and attempt to collect this debt ... XXXXthey call and tell me that I will pay either way if they have to deduct from my checks or sue me ... has also been told that I will be arrested and brought to court by a lawyer ... .soon after that I stop answering the phone when they call. I do n't believe that I owe this amount I have also asked them to send me the information in the mail and has yet to receive that info.
Product: Vehicle loan or lease

I opened a loan agreement with Credit Acceptance on XX/XX/XXXX. After the first few months I was not able to make payments on the vehicle. I reached out to the co-signer and asked him if he wanted to take over the vehicle. He stated to me that he was not able to make the payments on the vehicle and didnt want to take it over. I struggled with the payments and the upkeep of the vehicle due to Covid. On XX/XX/XXXX the vehicle was involved in a accident. The vehicle was taken to XXXX XXXX in XXXX Michigan on XX/XX/XXXX. I took the vehicle there because of a recommendation. The insurance policy on the vehicle had lapsed and so there was no coverage at the time of the accident. I did a voluntary repossession of the vehicle with Credit Acceptance on or sometime after XX/XX/XXXX. I called Credit Acceptance in XXXX to see if they had retrieved the vehicle and I was told that it was still at XXXX XXXX in XXXX Michigan. At that time I was told that the vehicle would be picked up by the Redemption Department within 7 days. I received a letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle had been repossessed. The following week I received another letter from Credit Acceptance dated XX/XX/XXXX stating that the vehicle would be sold at private sale sometime after XX/XX/XXXX. I recently started receiving calls from Credit Acceptance stating that there was a balance on the vehicle of {$8500.00}. I informed the representative of the letters I received and she said that the co-signer had possession of the vehicle. I called back after speaking with the co-signer and getting confirmation that he didnt have possession of the vehicle and didnt make any payments on the vehicle. I called Credit Acceptance back today and I was told by another representative that the vehicle was still at XXXX XXXX and that Credit Acceptance would retrieve the vehicle within 7-10 days and be back in contact with me. Today XX/XX/XXXX I tried calling XXXX XXXX from my phone and was told that the number was no longer in service. However, I called from a different phone and the call was answered promptly. After holding on the line I was told by someone name XXXX that the vehicle was still at XXXX XXXX. The vehicle has been in repossession for 7 months now and Credit Acceptance has not been in contact with me XX/XX/XXXX which was a written notice to sell property. However, now they are calling about a balance stating that the co-signer has the vehicle in his possession whoever XXXX XXXX confirmed that the vehicle is on there property.
Product: Mortgage

In XXXX, Mr. Cooper purchased my mortgage while it was under forbearance. When the forbearance ended in XXXX, I was ready and willing to resume payments. However, I was informed that there was no active account for me to pay since I had never made a payment with them. Additionally, the agreement I had with my previous mortgage companyto move missed payments to the end of the loanwas no longer honored. Instead, I was required to undergo a loan modification process at current market interest rates. 

Throughout the modification process, I remained in constant communication, yet Mr. Cooper repeatedly requested the same documents, dragging the process out unnecessarily. Meanwhile, they began reporting my account as delinquent, despite my efforts to comply. When I called to address the issue, they informed me I needed to pay approximately {$30000.00} upfront to bring my account currentdespite previously telling me no account existed for payment. Since I couldn't afford that lump sum, they continued reporting my account as delinquent, severely damaging my previously excellent credit score, without offering any alternative solutions.

Frustrated, I decided to sell my home to cut ties with Mr. Cooper entirely. I informed them the house is on the market and that they will be paid once it sells. Recently, at the end of XXXX, I was notified that my loan modification was deniedyet I just learned via a phone call that it had actually been denied back in XXXX, and I was never informed. 

Dealing with Mr. Cooper has been an absolute nightmare. My credit has been ruined, and Im being forced to sell my home much earlier than planned just to escape this situation. I wouldnt wish this experience on anyone.
Product: Credit card or prepaid card

I purchased an American Express Gift Card with a balance of $ XXXX from a XXXX store on XX/XX/XXXX at XXXX XXXX. 

I found an authorized transaction on the card an hour later and immediately called American Express to block the transaction as it was unauthorized. They refused to block it although the transaction was until then in PENDING state. I called them multiple times and spoke to different persons each time and explained to them the theft taking place. Yet none listened to my request to cancel the unauthorized transaction and they only put a hold on my gift card for any future purchases ( although it was being emptied by the unauthorized transaction already ). Because of that I could not even monitor the card online for more information on transaction. 

I called them the following day and then again on XX/XX/XXXX. but they told me that the ( unauthorized ) transaction has already settled and they can do nothing about it. They told me to settle with the merchant, which is ridiculous. How can I settle with the merchant who received my stolen money? Such thefts use clearing houses ( in this case, XXXX XXXX ), which keep the identity of their merchants hidden. The charge appears on the card only as " XXXX XXXX XXXX XXXX  '' and XXXX XXXX then does not provide any info on their customers. 

I am sure I am not the first person to be scammed like this. I can hope to be the last if CFPB can force American Express or XXXX XXXX to refund me my money and punish the criminals of this white collar crime, in which American Express and XXXX XXXX are complicit. 

Thank you very much!
Product: Mortgage

I received a letter from " Nationwide Mortgage Bankers '' stating that my mortgage qualified for the FHA streamline program. I contacted the number on the letter and started the process. We met all the criteria for the streamline program. Mr. XXXX told me NOT to pay my mortgage for the month of XXXX. As the rates went down, I requested a lower rate and it was agreed upon by the " loan officer, '' XXXX XXXX XXXX. He proceeded to send a notary to my home and the paperwork was signed and sent back to him. The notary also took copies of our social security cards and drivers licenses. On XX/XX/2020, I inquired about the status of the closing and he called me back. He stated that he had " bad news, '' as the rates " jumped back up. '' He failed to tell me what the new rate is. He simply wanted out without any explanation. I told him that this was not acceptable behavior, and he simply told me to " call your current service '' to get the mortgage refinanced. As such, I informed him that I needed to speak with his manager but he refused to provide the information and stated : " they will transfer you right back to me. '' In addition, the company included paperwork for us to give consent to obtain four years of my tax return even though it is not required for an FHA streamline refinance. I contacted XXXX and he stated that the tax transcripts were not needed, however, it was still hidden among the papers that I was given to sign. Similarly, income and employment verification are not needed, but the paperwork was presented to sign in order to obtain the information. 

Also, he stated that he was affiliated with Nationwide Bank, however, I called Nationwide to submit a complaint and was told that this company is not affiliated with Nationwide ban
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 Equifax gas a credit breach and my information was compromised resulting in unwanted charges as also credit inquiries. My email address has been compromised as well as my back account.
Product: Credit reporting

XXXX. 
XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX Is the company who reported hard hits on my credit. I gave no permission for this and they in fact did it again just to hurt my credit even more. I had a truck that I financed through this company back in 2006, I believe. the truck had major issues about 3 months after the sale and I even paid extra for the warranty through their own place they offered. But when time to cover something they denied it and it was plain sight that that it was completely covered, so the truck sat for 4 months and sense I had no other transportation, I lost my job and the truck was a repo. Then the threats and nasty calls began for months and even 3 years later. I tried to go into their office and work something out but was met with disrespect and nasty words. So later I found out they repaired the truck and added the extra to fix the truck to my balance, bringing the total amount for a truck that originally cost me XXXX with XXXX down, up to XXXX as a balance owed on my credit report. After all the nasty letters and mean voice messages I decided to let it just ride out and fall off my credit. After the seven year marker they tried to claim they had the right to keep it on there anther 7 years. After 6 months of back and forth with the credit agencies, they finally removed the loan. But then the next month I see these hard hits on my credit from them and after a few phone calls and telling me I deserve this and there 's nothing I can do about this I pretty much gave up hope. This is why I am making this report and complaint, in hope that someone can help me out with this. and get those XXXX hard hits removed.
Product: Debt collection

on XX/XX/2021, i sent PORTFOLIO RECOVERY ASSOCIATES another letter asking for documentation and statements regarding this alleged debt of XXXX that i do not owe.I haven't received or heard anything as of yet.I also attached a copy below for your assistance to help me in this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXXaughter PLEASE HELP ME PLEASE