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

In XXXX, my father passed away and had an IRA, brokerage account, and XXXX account with Merrill Lynch. It took me over XXXX calls and emails with Merrill Lynch to finally get the IRA transferred into my mom 's account. She was the beneficiary of my father 's IRA account. There were numerous different advisors who were assigned to my father 's account. I would call Merrill Lynch and be on hold for extended periods ( I had several calls were I was on hold for XXXX hours ). The advisors were not very responsive and when I did contact them, I was usually dealing with another person. During the process, Merrill Lynch had an internal policy that Letters of Testament and other documents needed to be submitted within 60 days and if not, the same documents needed to be resubmitted. Some of these documents were from the courts and/or needed to be notarized. This policy was not clearly communicated. The Letters of Testament was submitted to Merrill Lynch approximately 65 days after receiving it from the court and they wanted me to go back to the court and get another Letters indicating that I was the executor of my father 's Last Will and Estate. 

Finally, in XXXX XXXX ( 20 months after my father 's passing! ), we were able to get the IRA transferred into my mom 's account. She had XXXX and they insisted on talking with her. We had provided XXXX of Attorney information and a doctor letter indicating that she was not of sound mind to speak on her behalf. We had a call set up with the Merrill Lynch advisor and he was not available for the call. 

In XX/XX/XXXX, my mother passed away. We are in the process of trying to liquidate the IRA. My sister is the executor of my mom 's XXXX XXXX and XXXX. My mom 's account has been assigned to XXXX different Merrill Lynch advisors in the last XXXX months as we are working through the process. The advisor on XX/XX/XXXX informed her that another IRA needs to be established with Merrill Lynch for the estate. Then, this IRA can be distributed to XXXX new Merrill Lynch IRAs for all of the beneficiaries. This process described by the Merrill Lynch advisor would take another XXXX months or so. We have repeatedly told Merrill Lynch we want to get the money out of their institution because the service is unacceptable and extremely difficult. 

Whether it is real or not, there is a perception that Merrill Lynch is purposively delaying these processes to keep my parents ' funds - funds that need to be liquidated. We have dealt with many other large organizations in the process of liquidating my parents ' estate and none of them have put up this much resistance. We need some help to get my mother 's account resolved quickly. We are not getting professional help and attention to our matters. 

I
Product: Credit reporting or other personal consumer reports

Heres are the inquiries and companies that are being disputed : XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXXXXX - XXXX - see attachments ( Transunion ). 
Charge-offs listed : XXXX XXXX XX/XX/XXXX - {$24000.00}, XXXXXX/XX/XXXXXX/XX/XXXX - {$600.00}., XX/XX/XXXX - XX/XX/XXXX, XXXX {$600.00}, see attachment ( Transunion ). 
Billing Error Dispute - XXXX XXXX XXXX - open date XXXX XXXX ( XXXX ) see attachment, Dispute of unauthorized Inquiries on credit report : Ally Financial inquiry date XXXX,XX/XX/XXXX inquiry date XXXX, XXXX XXXX XXXX, inquiry date XXXX, XXXX XXXX of XXXX, inquiry date XXXX, XXXX credit / XXXX XXXX XXXX XXXX inquiry date XXXX, XXXX XXXX XXXX XXXX XXXX date XXXX, ( XXXX ) see attachment Charge-offs listed XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX ( XXXX ) see attachment, Dispute XXXX Dept : notice of Debt that I disputed : XXXX XX/XX/XXXX, XXXX {$9900.00}, XX/XX/XXXXXX/XX/XXXX, XXXX {$1200.00}, XXXX - XX/XX/XXXX, XXXX {$920.00}. ( Transunion ) see attachment Letters were sent to all XXXX credit bureaus.
Product: Mortgage

On XX/XX/XXXX, Select Portfolio Servicing sent an Act 91 Notice on XXXX XXXX XXXX, XXXX, XXXX XXXX. Payments were due the 1st of each month. Due financial issues, the acct was due for 2 payments at {$620.00}. I immediately contacted SPS XX/XX/XXXX ( XXXX ) and a repayment plan was started for {$940.00} beginning XX/XX/XXXX. On XX/XX/XXXX, I contacted and spoke to XXXX to request cancellation of the payment plan. I was able to make the requested amount due {$1800.00} and XXXX processed the payment on XX/XX/XXXX. The payment plan was confirmed cancelled. 
On XX/XX/XXXX, I wrote to SPS to inquire about a fee {$350.00} added to the account statement balance. There was never a notice or explanation of a fee which was arbitrarily placed on the account. The account was paid and up to date. 
On XX/XX/XXXX SPS sent a letter advising my inquiry was received and being reviewed. XX/XX/XXXX, SPS again advised still working on my inquiry of XX/XX/XXXX. On XX/XX/XXXX, SPS had not addressed my original inquiry regarding a lien as well as {$350.00} unknown fee. I advised they had not answered my question in their correspondence to me. 
To date, XX/XX/XXXX, SPS has not provided an explanation of the {$350.00}. There is not a lien nor has there been a judgement submitted to the courts. 
I requested SPS remove the erroneous fee of {$350.00} and also interest accrued on the outstanding which included the {$350.00}
Product: Credit reporting

For several years now, I 've been unable to view my Experian credit report online at AnnualCreditReport.com. The website provides no information regarding the reason for this ( e.g., whether there 's a problem with my application, or perhaps they 're just doing server maintenance, etc. ), so there is no way for me to take action to correct the problem. 
They do provide a way to request the report by mail, but I need a soft copy to store in the computer. 
I 've found several other people in online forums who have the exact same issue ( and no problem at all with the other XXXX credit agencies ). For your reference, I 'm attaching a screenshot of the now all-too-familiar denial screen. 
One gets the impression that Experian wants people to " become members '' at their own online service, for a fee. 
Is there a way to require them to explain why such online requests ca n't be processed and provide users a pathway to resolve the problem? 
Thanks for all you do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not thoroughly investigate within 30 days and delete ( furnisher ) XXXX XXXX from my credit file. Experian refuse to  delete disputed item after being provided proof of fraudulent inducement from XXXX XXXX and conspirators, Experian continue to violate FCRA Section 623 XXXX v. XXXX XXXX. US Court of Appeals for the Third Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX. 
No. XXXX ). 
IN CONTRADICTION, XXXX & XXXX ALL DELETED THIS ITEM FROM MY CREDIT FILE. 
Please view attachments that will show I never authorized the retail contract that was submitted and accepted fraudulently. For example, my correct DOB is XX/XX/XXXX NOT XX/XX/XXXX.
Product: Debt collection

I got a call in XX/XX/XXXX from Procollect in XXXX, tx stating I had a charge of {$490.00} in collections from XXXX XXXX for a move out fees. I gave XXXX a forwarding address and my number to be notified of any charges. They never sent me anything in the mail or called so they sent it to collections because it never got paid. Procollect said I could not dispute it. They had already dropped my credit score 60 points the same day they notified me of the charge. I asked to speak to a manager or supervisor and procollect told me no. And they would n't send me proof of my bill unless I sent a written request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I rec 'd an email from Equifax TrustedID XXXX XX/XX/XXXX that reported a credit report alert. 
About XXXX XXXX XX/XX/XXXX I read and checked online what the alert was about. It was an updated adress which was correct but no acccount with it that it was related to. 
At XXXX I recieved a text from XXXX XXXX that they had detected activity needing my attention. I went online and so no change so I called the number proveded in the text XXXX I waited on hold for over 30 minutes. Then a woman ansered I explained the above and she said they are extremly busy today and I had been automattically transfferred to a different department that could not tell me what the issue was but would transfer me to the fraud department. XXXX. I explained I would like to know what the issue as I had an alert emailed last night. She said she could only guess but to call that fraud number. I called andd it was an automated number to place a fraud alert on the account. The instructions were unclear and did not allow you to speak with anyone. 
The reason I signed up with the service is that it was to protect against issues due the the Equifax leak. I have since learned that the best way to protect is to have a freeze placed at all Bureaus but that cost us the consumer more money. My previous complaint XXXX had to do with inability to communicate with Equifax and XXXX XXXX. Issue continues
Product: Credit reporting

My student loans have been paid in full and I requested that Transunion remove the duplicate accounts. They have completed my dispute and are now reporting my student loans as open and t hat is not correct. I had XXXX pay my loans in full and I have documentation to prove that my loans were paid in full.
Product: Student loan

I went to XXXXXXXX XXXX XXXXXXXX in XXXX XXXX in XXXX. I just recently paid this off but had filed bankruptcy years ago. 
I tried to get help with paying this even after bankruptcy around XXXX Instead it just kept switching loan providers and the last provider was AES education. This company was difficult to work with.
Product: Mortgage

I originally purchased this property XX/XX/XXXX with payments made for a total nearing XXXX dollars. I requested back in XXXX then in XXXX via phone for papers to get forbearance and or modification. My loan was originally XXXX XXXX and I never took the settlement check they attempted to send me for my loan process. 

I have paid faithfully without fail monthly up until XX/XX/XXXX where I fell and XXXX XXXX XXXX XXXX and could no longer work. I called the mortgage company and explained that as well. Currently, I obtained a job and will start this week ; on XX/XX/XXXX I am applying for my social security income as I will turn XXXX on XX/XX/XXXX. 
Also, my mother passed in XXXX which I may get some proceeds from XXXX of her life insurance policies. Currently waiting on confirmation on that but if true then the back payments could be made immediately. 

The currently loan servicer is Select Portfolio Servicing , Inc . 

Furthermore, I had to find out the about the foreclosure through an investor. I never was properly served. When I looked up the case in XXXX XXXX I still could not find it. Also, I have contacted a foreclosure specialist in the XXXX area which I believe is HUD approved. I truly hope I will be able to resolve this issue as it is the only home I have known for the last 26 years.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/year> Dispute Letter Concerning Data Breach To Whom It May Concern I am writing to formally dispute the potential misuse of my personal information following the recent data breach at, EXPERIAN which was reported I have reason to believe that my personal data, including but not limited to [ list any affected data : Social Security number, bank account information, email address, etc. ], was compromised. As a result, I am concerned about unauthorized transactions, identity theft, and the long-term impact on my financial and personal security.

To ensure my rights and privacy are protected, I kindly request the following actions : 1. Immediate Investigation : Conduct a thorough investigation into how my data was handled and any potential misuse of it.

2. Mitigation Steps : Provide a detailed account of what steps have been taken to contain and mitigate the data breach.

3. Monitoring Services : Enroll me in identity theft protection and credit monitoring services free of charge for a minimum of [ 1-2 years ] to safeguard my information.

4. Proof of Security Updates : Share a summary of actions taken to prevent future breaches and ensure my personal data is secure.

5. Verification of Data Use : Confirm if my personal information has been accessed or misused and, if so, provide detailed records of such activity.

Additionally, I would like to exercise my rights under applicable data protection laws, such as the [ mention any relevant laws like XXXX, GDPR, or other laws in your region ], to request : Copies of any data you have on file related to me. 
Deletion of my personal data if it is no longer necessary for legitimate purposes. 

Please acknowledge receipt of this letter within [ XXXX business days ] and provide a comprehensive response addressing the concerns mentioned above within [ XXXX calendar days ]. 

If no satisfactory resolution is reached, I reserve the right to file complaints with the relevant authorities or seek legal action to protect my interests. 

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

Sincerely, XXXX XXXX XXXX XXXX Let me know if you need help tailoring this further!
Product: Debt collection

Upon checking my recent credit report, I discovered multiple accounts that seem to have been added without my authorization and are incorrect. I am asking for these fraudulent accounts to be removed immediately.
Product: Debt collection

Paid original creditor XXXX after switching phone companies, 1 month later a collection agency named performance receivables adds a collection to my three credit reports. I have tried to communicate with the company on several occasions and it always ends with 3 transfers and getting hung up on. This happened 4 times in succession one day and when I asked about it they chuckled and hung up on me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affirm is reporting to my XXXX credit report inaccurately. There is an account ( Account Number XXXX ) reporting 30 days late. However, I was told several times that the account is in a positive status and all I needed to do was fill out a form and once completed it would remove the negative late on my credit report. The response after completing the form indicated that the account has already been paid in full. On multiple occasions I was provided inaccurate and contradicting information on Affirms credit reporting. Phone calls are recorded and can confirm this. The account that Affirm is showing as late is also reporting the amount inaccurately. I would like Affirm to remove the late payment from this account ( Account Number XXXX ) on my XXXX credit report because it is being inaccurately reported. Thank you.
Product: Mortgage

SLS refuse to assist me they want me to give them the house they wo n't tell me why and how I got denied no explanation Cfpb do ur job put this ediots out of business I will not give them my home if SLS want my home they should kill us first then they could have our home SLS not a good servicer they do n't do anything they want me to give them my home without assisting me
Product: Credit card or prepaid card

XX/XX/2021 XX/XX/2021 XX/XX/2021 i signed up for automatic transfers. funds never transferred into my savings account. and funds never reflected a full amount on deposit day.
Product: Mortgage

I have called Bank of America twice to request my XXXX and XXXX mortgage interest records ( 1098 forms ) and my XXXX and XXXX escrow end of year statements. I need all four documents to file my XXXX and XXXX taxes. These documents are no longer available online because I paid off my loan so I must call the bank and during this Coronavirus pandemic, the hold times are extreme. At present, I have only received one statement. I need all four documents ASAP! Please!
Product: Money transfers

On XXXX XXXX, XXXX, I wired {$8600.00} to a XXXX XXXX XXXX account. It was posted XXXX XXXX, XXXX but the receiver advised me that XXXX XXXX wanted me to request the money be returned to my account. I submitted a letter to my bank and they wired it the same way the money was wired. I have been in contact with my bank and XXXX XXXX since then trying to get my money returned. During this time, I have learned that the recipient has a history of wire scams that I was unaware of. The last correspondence was on XXXX/XXXX/XXXX with XXXX XXXX. Their representative told me that no one had access to the money and XXXX XXXX was still looking into the situation. As of XXXX/XXXX/XXXX, I have not heard from XXXX XXXX.
Product: Mortgage

I paid off my mortgage with the money source ( # XXXX ) on XX/XX/XXXX and they transferred my loan to a new servicer ( XXXX XXXX  XXXX, XXXX, # XXXX ) on XX/XX/XXXX. For this transferred mortgage after the pay off, the new servicer keep sending me that I owe money. Since it is already a month passed, I only have 3~4 weeks left to solve the issue w/o hurting my credit since I'm not paying the monthly payment to the new servicer that they claim I owe. 
I have been asking The money source multiple time since the first week of XXXX to fix this wrongful service transfer, proactively work with the new servicer to fix it but The money source keep saying there is nothing they can do other than just give me papers like a transaction history, pay off letter things. Those documents, I already passed it over to the new servicer to prove it was closed but they said that is not sufficient proof. At this point, I don't have better way to get this problem fixed beside from filing a claim since the old and new servicer is not really working to fix the issue.
Product: Credit card or prepaid card

I have been receiving multiple calls a day from community bank regarding payment on my card. I have been making payments as I can but have fallen behind as I had to quit my part time jobs due to illness. Today alone I have already received 7 phone calls by noon. They are also calling my husband and parents, noone else is on this credit card or the application and they were never given permission to call them nor given their contact information by me. This is harassment and I feel illegal practices as they are contacting people not involved in the debt.
Product: Vehicle loan or lease

I contacted Carvana about possibly purchasing a XXXX XXXX through them. A consumer representative reached out from ( XXXX ) XXXX It was a legitimate call. I mentioned offhand that I would check through my financial provider XXXX XXXX  to see if I could get third party financing. The representative sent me an email at my request that included a list of financial institutions that I can not finance through. 

I began receiving phone calls the next day regarding fraud to my XXXX Account. XXXX does not reach out over phone to report fraud. 

I messaged Carvana and asked them to delete my account because in all likelihood, the representative reached out through an unencrypted phone line. I was told that they only have to fulfill the request if I am a California resident. What are my options for resolving this issue? All I want is for Carvana to delete my account. 

I take information security very seriously and do not want others impacted by my issue. I have never received fraud messages before this incident. I explained the steps I would be taking to Carvana. For some reason I can not retrieve the chat history of my complaint to them any longer. 

I filled my account with dummy information at this point but left my email XXXX as a point of contact so they could resolve my issue if they find a way. 

Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, the following companies have violated my rights. 

15 USC1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan for a purpose.
Product: Student loan

A few weeks ago I submitted a complaint regarding Navient and the problem I was having with getting my student loan interest rates to the agreed upon rate when I reentered the rate reduction program. Navient responded and said that they were at fault for the failure to submit my paperwork for the ratereduction in XX/XX/XXXX when we spoke and did so in XX/XX/XXXX and agreed that all but one of my loans would have  an interest rate of 3.5 %. They also agreed to make sure that the interest that I acquired under the higher rate would be decuted from my balance. That was done to 2 of my 3 loans. Today when I logged into my account to make sure that everything was right I noticed that my loan ending in XXXX still has an interest rate of 4.25 % instead of 3.5 %.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of my XXXX XXXX bankruptcy on my credit report. Recently, I contacted the bankruptcy court and was informed that my bankruptcy case was not ( and never are ) reported to the credit bureaus. Additionally, the bankruptcy court advised me to reach out to the credit bureaus directly to understand how my bankruptcy information was reported and identify the reporting entity. 

Here are the falsely verified accounts on my credit reports that pertain to or were part of the bankruptcy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In each previous dispute, this information has been falsely verified. As per the Fair Credit Reporting Act ( FCRA ), I have the right to receive validation of these falsely verified accounts. Therefore, I kindly request that you investigate this matter thoroughly and provide the following information : Details of the validation process or procedure used by the credit bureaus to verify account information. 
Identification of the entity that reported this information.
Product: Debt collection

Can a debt collection report something to XXXX of the credit bureau 's before XXXX months after it become ( delinquent ). I had to move from my housing complex and I did not get in touch with my ex landlord for XXXX months after I moved. It was not my intention not to settle this matter at all, and I do n't fell that it was wright for a collection agency to report it to the credit bureau because when they called me I did not agree to settle it with them. I told them that I would contact the creditor to make a payment plan with them.