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

My mother and I were on a Wells Fargo checking account, which also included a savings account called, " XXXX XXXX XXXX. '' I have the documentation to prove that, with dates and the account number. When my elderly mother fell ill, she moved into a XXXX home and soon after died. There was {$470.00} left in our joint account. The {$470.00} was the amount in the " XXXX XXXX  XXXX '' portion of the combined checking/savings account. After her death, I discovered through Wells Fargo documents that I still have, that Wells Fargo has a different account number for this amount. I went to the local Wells Fargo branch and told them I was the personal representative of my mother, and am on this account, which I have documentation to both, and the banker told me I could take the debit card to the ATM outside, and put the PIN number in to retrieve the money. I did not know the PIN number. My mother was elderly, ill and bedridden. We did not think of the PIN number while she was in the XXXX home and upon her death. I never used the ATM before, therefore, I did not know the PIN number. This bank staff member told me to try XXXX digits that I thought my mother might have used. I tried to explain that it could be any series of numbers in my mother 's life since she had so many years to her life. This individual insisted that I attempt any way and to use old addresses, phone numbers, etc. I did make those attempts. The machine allowed only XXXX attempts, and then locked the account. The bank personnel told me that was all they could do. I made XXXX visits to XXXX different Wells Fargo branches in XXXX XXXX. I spoke to XXXX XXXX XXXX and XXXX branch managers. According to the Wells Fargo bank statement in my possession, on XX/XX/XXXX, the money was transferred to " Unclaimed Property ''. Since my mother 's death on XX/XX/XXXX, I have attempted to retrieve this money that belongs to me, not to Wells Fargo. I have found out that it will cost more to pay to retrieve the money, than the amount of {$470.00}. Now that I am aware of your agency, I am asking for your help. According to your directions, I have not included names, account numbers, addresses or Social Security numbers, however, I do have all of those if or when you should need them. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score was XXXX from XXXX until XX/XX/XXXX. I was told XXXX  points was taken from my score because of to many inquiries but only 3 was reported and only XXXX  points was taken. Then XXXX XXXX XXXX XXXX brought my score down to XXXX. And there is nothing I can do to bring my score back since all my credit card are paid in full. How can one card take XXXX points from my score, when I was told that get credit cards helps build credit. 
Can you please restore my score back. I was in the process of buying a house. Now I cant ever rent an apartment!!!!!
Product: Credit reporting or other personal consumer reports

I filed a dispute on XXXX XXXX XXXX and hunter warfield due to the reason put on XXXX XXXX denied to follow up with the investigation I recently was notified that CFPB has found a lawsuit against the company they alleged the company of accepting unreliable information failure to notify consumers dispute results this aligns well with my situation XXXX has not removed nor correct any infirmation im requesting this derogatory mark be removed as it affecting my chances of getting a house/car XXXX violates my rights as a consumer as well as fedal laws
Product: Credit card or prepaid card

I purchased product from a website called XXXX  XXXX  XXXX ( XXXX XXXX   XXXX # XXXX ) ( this is the website 's review with the XXXX  ). I do not know the exact dollar amount that I was expected to be charged but it was between $ XXXX {$29.00}. When I clicked to complete my order is never brought up a receipt with my order information and I did not receive an emailing regarding my order. I then went to my chase banking app where I realized that there was a charge for {$190.00} and {$80.00} from this company. I immediately filed a dispute with chase. Chase got word from the company and they said there was a 90-day money back satisfaction guarantee and that I could get my money back that way. I returned the product on XX/XX/2020 with USPS tracking number XXXX. I tried to get in contact with the company via email and they were claiming that their returns had yet to receive my package. I emailed them several more times with no response. I then went back to chase and re-disputed this charge. They spoke with the company and AGAIN said that the charge was valid. I called chase and told them that they needed to give me my money back. They then reopened the dispute and issued me a {$100.00} statement credit for my inconvenience while they were still processing my dispute. I am now turning to you all to get this taken care of because I feel that I have run out of options.
Product: Mortgage

Good Afternoon, My mortgage was sold from XXXX to M & T Bank ( against my will ). 

I understand that XXXX has the right to sell my mortgage to other companies, but I thought the new company was supposed to offer the same ( or similar ) servicing options. 

M & T Bank has had multiple technical issues with their website almost immediately after the transfer. During the Covid-19 crisis, it's not allowing for payment forbearance or deferment. They do allow you to fill out a 5-page form requesting assistance ( which may or may not be given ). 

Meanwhile, XXXX allows you to simply click on your financial account ( or mortgage ) and skip 3 monthly payments without impacting your credit or assigning late fees. 

I believe this is against the current regulations regarding the sale of mortgages to other institutions ( or at least the spirit of the law ). 

We didn't want our mortgage sold, and now it's been sold to an institution that is offering fewer services and options. This situation is magnified even more during a crisis where we all are struggling to stay healthy and acquire food. I believe this action is not only illegal, but at the very least uncompassionate and un-American. 

Thanks for your time, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As reference, please see below account in question. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX want to explicitly clear with my request XXXX I am not requesting " validation " of debt ; but instead, I am requesting VERIFICATION of the debt. It has become increasingly clear that your are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance in both the Fair Credit Reporting Act and Fair Debt Collection Practice Act. 

Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the above mentioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to removed the accounts from my consumer report without prejudice.
Product: Debt collection

i receive a call from a company called Convergent Outsourcing, they call me at least once a day, i have requested before to be taken off there calling list and when i actually ask the person to take me off they just hang up or tell me to XXXX and laugh, this is one of the few calls i get daily and it is interfering with my work, these calls are annoying and i really want them to stop, i have filed complaints before with the do not call registry because i have been on that list for many years now, and they have done nothing to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice when I was looking at my hard inquiries and soft inquiries when I did apply for a XXXX XXXX card they pulled my credit 3 or four times on the same day. That is something that should be flagged why would a credit bureaus allow that. Let a company pull someones credit report the same time in even two consecutive days. One had the last three digits changed to XXXX. Something does not look correct. I know I had a XXXX XXXX credit card on my XXXX XXXX credit card before I closed the account I sent a new one and the phone number was not correct on the back. So I closed the account. I do not trust this bank ever again. I had to get the correct phone number from my mother to call while back. I am not understanding why they would pull my credit report many times. I would like this to be investigated with XXXX first before the bank I dont even know what is the correct bank to send it to I will send the attachment were inquiring were inquiries then you guys can decide what is the correct place to send it to.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following po box XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, MO XXXX XX/XX/XXXX XXXX  XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$830.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$830.00} XXXX XXXXXXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN:XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Debt collection

United Recovery Systems called my place of employment and was very nasty to the secretary. The man wanted to speak to me and the secretary explained that I was in class. I am a XXXX I could not leave XXXX, XXXX year old children to come to the main office and speak to him. Apparently, my class was not important. 
I am now in debt settlement and have a law firm handling my case. I have since XX/XX/2014. 
It is illegal to harass people at their place of business.
Product: Credit reporting, credit repair services, or other personal consumer reports

As you can see in the files attached my reports for reporting a lawsuit full of inconsistencies. The credit bureaus have seen my letters Ive sent about the misinformation they are sharing to my consumer credit reporting agencies. This is very disheartening to see, some accounts are reporting open but are closed others are showing repossession of paid vehicle. The list goes on even showing a collection account that doesnt have a original creditor or agency listed in report, even accounts that have interest that Im not aware of the interest rate or even amount being charged. According to the FCRA I have the right to a 100 % accurate credit report XXXX. Its very disheartening and sad. Ill be suing for damages along with inappropriate interest Ive had to pay. Im reaching out to the Cfpb as a last resort for help to get these accounts cleared off my report due to incomplete/incorrect info.
Product: Debt collection

I disputed this account months back in the amount of {$160.00}. I had two collection accounts with this agency to which they could not prove it was mine. They deleted one off and as I'm checking my credit this one is still up. They only sent me copies of statements but no signature, signed original contract, they didn't send me a signed copy of the buying of the debt and license to collect in my state. Now they are reporting to the agencies as 100 % verified but they know a copy of a statement is not proof.
Product: Debt collection

This company is calling incessantly at which most times I do not answer. I did finally answer a call on XX/XX/XXXX or XX/XX/XXXX only to discover they were looking for my deceased EX-husband whom I divorced in XXXX. They asked if I knew who the executor of his estate is, to which I responded " NO ''. I told them to put me on their " do not call list '' and do not call me again. Then again today ( XX/XX/XXXX ) I received another call, different CSR, and told them I had already addressed the issue and AGAIN, do not call me again and put me on your " Do not call list ''. These people will not give up! I have had no contact with my ex-husband in over 27 years. They need to leave me alone!
Product: Checking or savings account

Hello, In XX/XX/XXXX, I opened a 12 months CD with Marcus  by Goldman Sachs. Unfortunately, due to an unexpected circumstance, I will need to break the CD before its maturity date on XX/XX/XXXX. 

I called to find out what is the penalty that I will need to pay. Surprisingly I found that the penalty amount I need to pay will be higher than the total interest paid to me so far. 
This is an unfair practice as GS earned interest already on the money I deposited. However, as a penalty, they are charging me also for future interests they could have earned. 

The bottom line is that I am going to get less than the actual principal amount I deposited. 

I would appreciate any help to ask GS to reconsider the penalty amount to be more responsible and fair. 

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

The institution halted my ability utilize a private credit line based incorrect data from the credit bureaus. I have provided evidence the information utilized was erroneous. The decision to close the account negatively impacts my financial credit worthiness.
Product: Student loan

Navient purchased my student loans that were previously owned by Sallie Mae. I worked in Public Service for close to a decade, paid on an accelerated schedule and consolidated loans. Despite all of this, Navient has never given the original loan terms they bought it under or my Promissory note. In addition, I've paid well over the total amount borrowed. I'm almost XXXX XXXX XXXX and have been paying since I was XXXX!! Now Navient sent me a letter saying they plan to sell my loan yet again. This is predatory. They don't give complete documentation, impact my credit, and take hundreds of dollars each month over what was borrowed.
Product: Debt collection

Received a call capital debt collector/robert about unpaid dental bill {$360.00}. The call was made yesterday XX/XX/2019 around XXXX XXXX. I was busy when i received the call and i had him on speaker phone. My nieces and a guest heard the whole conversation. Representative/ XXXX was high energetic in degrading me. He said to look myself in the mirror, I'm a liar, he said he was not looking for girlfriend and he was making a business call. All these comments was made in his first call. During this call i said to my niece i need another cell phone to record the conversation and when i came back on the phone he hanged up. I called back and he spoke with XXXX again. His tone of voice changed and stared in the beginning that this was recorded. Automatically blurred out i was cussing him. And hanged. I called again spoke with supervisor/XXXX XXXX. He was so relaxed to say he apologized for his employee znd and he will speak with XXXX. I asked XXXX if he trained his employee to use those degrading statements to collect debts and said no. Then i said to please put a great attention to this matter and provide me a letter with their corrective action plan and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a problem with identity theft first off. I never took out all the loans amounts that shows up on my credit report. I ask for the credit company to verify the amounts dates and loan amounts are correct on my credit report. I know I am a victim of fraud. But I am XXXX can't get them the information they need because I am XXXX. Basically I can't run around town to fax 's or mail paperwork. They are not doing there job to protect customer for information they don't verify debts or times even when they asked to do is. I think it all a scam to get money out people with false reporting. Even after I let them know I am a victim of identity theft
Product: Debt collection

I contacted the Collections department to try to resolve my debt. First my calls kept being transferred over and over and I kept being hung up on or sent to a full voice mail with no resolution or a chance to talk to anyone. I finally got ahold of a representative and asked if my late fee could be waived as I am aware of other individuals who have had their late fee waived by this same company. The representative transferred me to her Supervisor name XXXX ( who said his Managers name is XXXX but refused to let me leave a message for him ). I was politely asking if my late fee could be waived and he started to raise his voice and talk down to me in a demeaning manner. I told him he did not need to talk to me that way but he just kept talking down to me when I was simply asking about having a late fee waived to be able to bring my account current. He then said he was going to hang up on me and end the call because he did not want to answer my questions. There is no reason why any company specially a Supervisor needs to talk to customers in a demeaning way. We are all going through a hard time right now with the Covid -19 issue, XXXX could have tried to be more helpful and understanding. What kind of company allows their employees to talk to customers in that manner?
Product: Credit reporting or other personal consumer reports

Please remove this inaccurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed late payment dates on XXXX XXXX XXXX late payments. XXXX and XX/XX/XXXX XX/XX/XXXX, on XX/XX/XXXX after the dispute they changed dates arbitrarily to XXXX XXXX XXXX and XXXX of XXXX and also during that time. They completely changed late dates and added some. Also those dates I believe were deferred payments to due covid.
Product: Credit card or prepaid card

{$69.00} XX/XX/XXXX Annual fee that I have previously canceled. 

Barclays Credit Card - Specifically Frontier Airlines Credit Card I have a Frontier Barclay Credit Card - in the past, I happily paid a {$69.00} annual fee for additional benefits- more miles when you spend on airfare, restaurants, etc. Since Covid, I am not traveling and dining out as much. Last year, XXXX, I canceled the {$69.00} fee and downgraded my card to a {$0.00} annual fee with fewer benefits. I thought that was the end of it. Now, they just bumped on another {$69.00} annual fee and are refusing to reverse it. I find this highly inappropriate and scamful? Without my consent, after canceling the annual fee arrangement, they popped on the charge again. I called them today, talked to supervisor, etc,- and NO - they are not going to refund the {$69.00} annual fee- I called them and successfully removed/canceled it last year- but it suddenly popped up again. 

I called today asking to please reverse charge, I still use the card, but have down-graded to the {$0.00} annual fee card and they gave me a hard NO. They are not budging and I think this is criminal. A class action perhaps? All I'm looking for is my {$69.00} back. I do not want anyone else in this boat. Thank you for listening.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS DEBT IS A RESULT OF IDENTITY THEFT. I HAVE FILED CLAIMS PREVIOUSLY AGAINST CREDITORS AS A PART OF MY IDENTITY THEFT PACKET FILED IN XXXX. I FILED REPORTS IN THE PAST BECAUSE I HAVE HAD SEVERAL DIFFERENT ACCOUNTS THAT I HAD TO DISPUTE OVER THE PAST 3 YEARS. THIS IS RIDICULOUS. THESE ACCOUNTS HAVE MIS MATCH INFORMATION, MOST DON'T EVEN HAVE MY CORRECT INFORMATION. I WOULD LIKE FOR THESE COMPANIES TO BE SUBJECT TO A FINE AND OR LAWSUIT FOR THEIR CONTINUED NEGLIGENCE IN REPORTING INACCURATE ACCOUNTS. THIS IS EFFECTING MY JOB AN ME FINDING A PLACE TO LIVE. THIS NEEDS TO BE REMOVED IMMEDIATELY! 

XXXX XXXX XXXX has multiple accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I took a look at my credit report and I noticed a hole bunch of inquiries that I did not authorize I tried contacting the bureaus but they are giving me issues saying i need to contact each and every creditor me as a human being simply don't have enough time in my life to do so between work and family i would like for all the inquiries that i did not authorize to be removed from all three bureaus immediately thank you.
Product: Checking or savings account

A person said he was going to give me a loan for XXXX XXXX dollars the next morning he called and asked me to check my account there was XXXX dollars in. My account he then told me to give the funds back to verify account I went to XXXX XXXX and. Got the gift cards he wanted when I was at check out the lady said I was being scammed so I called truist and asked if the funds were good I was told they were I gave money back and then the check bounced and the bank won't give my money back I'm XXXX I don't have a lot of money
Product: Debt collection

Midland Credit Management. they call 15-20 times a day, sometimes 5-6 times in 10 minutes. I have told them I do not have a debt and if they think I do then to send me a letter in the mail of my debt. I have never received a letter and today at XXXX XXXX, they called my wifes employer number after we have told them numerous times not to contact us. They threatened to give information to my wifes employer about me and a debt and then said she has a debt with them too so they can do whatever they want. 

This company needs to stop calling people, follow the guidleines of consumer protection or be sued.