23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The problem that Im having with XXXX XXXX XXXX is that my I called to try to solve my debt with them, we spoke about a settlement and they offered me a {$1300.00} offer, at the moment I didnt have the funds and even when the representative pushed me to postdate a payment, I couldn't do that because I can schedule a payment if I dont have the money. The representative ended the call telling me I can call before the end of the month if I get the funds. 

Same month and once I got enough money to pay the settlement, I called them to take the settlement offer but this time I found they raise the offer to {$1700.00}. I was in shock and I asked why they do that, they just said the offers should be taken in the same call, even when the previous representative told me the offer would be good until the end of the month, I had to decline in the new offer because I dont have the extra money they are asking for and again the representative told me I can put the money I have as down payment and then pay the rest of the full debt in small payments. 

I even went over my limit of what I could afford including founds from family members to try to solve this but they still say that is still not enough to satisfy them I am afraid that if I get the money, they are asking now they and call to pay they will ask for more and more every call. This practice is unacceptable and the government should be aware the unfair practices of this debt buyers.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unjust Account Closure and Denied Bonus Dear Wells Fargo Customer Service, I am writing to formally express my dissatisfaction with the recent closure of my checking account and the denial of my {$300.00} bonus. I believe that Wells Fargo acted unfairly by closing my account without prior notice and failing to provide clear qualification requirements for the bonus. 

I opened my checking account with the understanding that I would receive a {$300.00} bonus after meeting the necessary requirements. However, without any prior communication or warning, Wells Fargo closed my account before issuing the bonus. When I inquired about this, I was informed that I did not meet the qualifications, yet at no point was I made aware of any additional conditionssuch as maintaining a specific balancethat would impact my eligibility. 

It appears that my account was closed solely to avoid paying out the promised bonus, which is both unethical and misleading. As a customer, I expect transparency and fair treatment, and this experience has been extremely disappointing. 

I am requesting that Wells Fargo review my case and honor the {$300.00} bonus as originally advertised. If my account was closed in error or due to a misunderstanding, I expect an explanation and a resolution that ensures fair treatment. 

Please respond at your earliest convenience with a resolution to this matter. If necessary, I am prepared to escalate this issue further. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

[ XXXXXXXX XXXX XXXXXXXX ] [ XXXX XXXX XXXX XXXX, XXXX ] [ XXXXXXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ Date : XX/XX/XXXX ] TransUnion LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Demand for Method of Verification Pursuant to 15 USC 1681i Dear TransUnion Representative, I am writing to formally request a method of verification regarding the information reported on my credit file, specifically concerning the XXXX XXXX trade line. This trade line has been marked as " updated and verified '' in your records ; however, I have not been provided with the pertinent information and documentation required to substantiate this verification, as is my right under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

As per my rights outlined in 15 USC 1681i, I am entitled to receive documentation that verifies the accuracy of the information you report. In this regard, I specifically request the following : 1. Copies of any and all contracts with wet signatures that establish the loan and/or debt associated with XXXX XXXX . 
2. All correspondence notifying me of the existence of this debt, including any initial notices or communications pertaining to it. 
3. The corresponding address linked to the XXXX XXXX trade line associated with this debt. 
4. Any other documentation or evidence you have that supports the legitimacy and accuracy of the debt being reported. 

The lack of this essential information raises significant concerns about the validity of the XXXX XXXX account being reported. I respectfully ask that you provide the aforementioned documentation to me within the timeframe specified by the FCRA. Failure to comply may compel me to pursue further action to protect my rights and ensure the integrity of my credit report is maintained. 

I appreciate your prompt attention to this matter and anticipate your response within the statutory timeframe. Thank you for your cooperation. 

Sincerely, [ XXXXXXXX XXXX XXXXXXXX ] [ Your Social Security Number or the last four digits, # XXXX ]
Product: Debt collection

This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me
Product: Debt collection

I received a call from Credit Control asking to pay a debt.I had received a letter in the mail a couple months ago and I responded with a dispute and validation notice. I did not hear back from them. They called today on XX/XX/2021 and informed me that I had an overdrawn checking account I owed {$69.00} on. I have never had an acccount with this bank. She gave me the account numbers and number for the original creditor. 
The company Credit Control sent me back to XXXXXXXX XXXX for an overdraft account. I reached out to XXXXXXXX XXXX and sat on hold for 2 hours. Finally I was able to get a XXXX XXXX on the phone. I explained on the phone that we had never had an account with XXXX XXXX. She put me on hold and got a supervisor named XXXX XXXX ( collateral liquidation Supervisor ). XXXX informed us that the account appears to be associated with a XXXX. She said that XXXX name does not even appear on the account. Credit Control was asking for the last four of my social security number and sending me collection notices my name did not even appear on. Not only did they disregard my request for the validation and Cease and desist they were attempting collection efforts for a corporation out of California on a XXXX  number that contained neither my social security number or my name. Information I was able to obtain from XXXX XXXX at Credit control was an original account number of XXXX and a credit control account number of XXXX. This account does not appear on my credi at this time. I do have concerns that they have added my social on after having me verify by phone. XXXXXXXX XXXX  has confirmed this is NOT my account
Product: Credit reporting or other personal consumer reports

I am writing to formally follow up on my previous requests to update my driver 's license information on my credit report. I have contacted all 3 bureaus multiple times regarding this matter, but as of today, the correction has not been reflected. This is my third request for you to update my address information accurately and in a timely manner. I have attached a copy of my license that show my correct address. 

The only address associated with me is the one on my license. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the accuracy and completeness of information in a consumers credit file. Failure to update and maintain accurate records violates these standards and can result in legal action. 

Please treat this as a formal request to update my records promptly. If additional documentation or information is required, contact me.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of inaccurate information on my credit report Account Number : XXXX Credit Bureau : EXPERIAN Account Type : Credit Card Dear Sir/Madam In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am formally disputing inaccurate and unverifiable information related to my account with [ creditor name, e.g., XXXX XXXX XXXXXXXX ], which has been marked as " charge-off. '' After reviewing my credit report, I have found the following significant discrepancies between the credit bureaus XXXX, Experian, and XXXX : XXXX : Highest reported balance : {$2500.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' Experian : Highest reported balance : {$0.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off. '' The account was closed due to inactivity. 

XXXX : Highest reported balance : {$2300.00} Current balance owed : {$2300.00} Payment status : Closed, reported as " Charged off, '' with the balance reported as a " loss by the creditor. '' These discrepancies show serious inconsistencies, particularly regarding the reported balances and the reasons for the account closure. Experian states that the account was closed due to inactivity, while XXXX indicates that the balance was reported as a loss. XXXX reports a higher balance than the other bureaus. These inconsistencies violate the FCRA ( 15 U.S.C. 1681e ( b ) ), which requires credit agencies to maintain maximum possible accuracy in their reports.

Additionally, under the Truth in Lending Act ( TILA, 15 U.S.C. 1601 ), I am entitled to clear and accurate information about my credit obligations and payment history. The discrepancies noted affect the truthfulness and clarity of the information regarding my account.

I request that, in compliance with FCRA and TILA, you investigate this dispute and immediately remove the inaccurate information, including the " charge-off, '' from my credit report. The differences between the credit bureaus clearly show the inaccuracy of the reported information. Please send me the results of your investigation and a corrected report as soon as possible. 

I have attached copies of my credit reports highlighting the mentioned discrepancies for your reference. 

Thank you for your prompt attention to this matter. I look forward to your timely response.
Product: Mortgage

Recently l was reimbursed fees that were charged by an Equity Accelerator Program. This refund prompted me to look into other accounts to see if there was discrepancies with the fees that I have been charged. I discovered a ton of fees that have been charged to me by my mortgage company Nationstar. In the month of XXXX XXXX I was changed XXXX fees of varying amounts. In XXXX XXXX I was charged XXXX fees of varying amounts and in XXXX XXXX I was charged XXXX fees of varying amounts. There are other months in which I was charged just XXXX fee, but the amounts always vary. When I contacted Nationstar I was originally told that the fees XX/XX/XXXX stemmed from a missed payment in XXXX XXXX. I was told that only a principal payment had been received. When I pointed out the fact that the history shows a regular payment and a principal payment on XXXX XXXX, XXXX the story changed. The next explanation that I was given was related to the bankruptcy that I filed in XX/XX/XXXX. I was told that I missed payments in XX/XX/XXXX and XX/XX/XXXX and that the fees that I am being charged in XX/XX/XXXX and XX/XX/XXXX are related to those missed payments. When I pointed out the fact that my mortgage has only been with Nationstar for 39 months but that I am charged XXXX fees I was told that I was misunderstanding the charges. Well I do n't understand the charges. As I stated my mortgage is paid through an Equity Accelerator Program. I ca n't remember when I started the current program because I had had it set up through XXXX XXXX prior to my mortgage being sold. I attempted to speak to Equity Accelerator and they advised that due to a system upgrade I am not currently able to review my transaction history. Any questions can be answered by a representative. When I spoke to the representative she referred me to Nationstar. I am getting the run around here and I need to get to the bottom of this.
Product: Checking or savings account

I have Eight accounts with Wells Fargo Bank, at first I was okay with it, when those accounts earned interest, but right now I am only earning XXXX per month. The bank switched my account from one service to another at least 10 times in the 20 years I have been with this bank. In order to have the privilege of 'free ' checking I must keep $ XXXX in a special account, which I have done, but if I should 'change " anything, with any of the accounts then it reverts to a monthly charge. I don't understand what happened to changing the interest amounts 'automatically ', as was done during the XXXX XXXX when he ordered interest rates down to 'XXXX ' because they do it in XXXX. Now, I am earning XXXX interest on my money, I will have to retire here and I am not earning any money on the money I must hold in the bank, or else I will conveniently for the bank be charged an considerable amount of money just to have the convenience of a checking account. The interest rate currently is 5 %, this is what the bank is making off what 'little ' money I have in the bank. Nobody can talk to me about it, I MUST make an appointment, which I tried, she blew me off. She was too busy. No one can tell me anything on the phone and the only rate offered was XXXX. I know, I should go to another bank, but nobody is offering any money unless you want to open a CD account. I have to keep my funds 'liquid ', so that's unacceptable. Now, the bank does have a 'product ' where they pay amble amounts of interest but I would have to have $ XXXX in the bank, and any other money I have would not be insured by FDIC XXXX so they would be 'unregistered funds '. I have been trying to get information from this bank since last XXXX, but no one will talk to me unless I make an appointment, which they conveniently blew off the last time I made an appointment. There is no escalation, there is no one I can complain to.
Product: Credit card

XX/XX/XXXX I was on a XXXX call with XXXX and was offered a service of a lead generation system. There was a charge for {$290.00} which I agreed to and charged on my XXXX credit card provided by Goldman Sachs. This was also paid by myself. XXXX moderator was also trying to sell additional services at {$5000.00}. I was interested but did not move forward or agree to any terms. I did not not sign any contract or receive any services. However, on XX/XX/XXXX XXXX charged my card for {$5000.00} without my permission. Once this charge was placed on my account, I was notified by email and text. I quickly contacted the company and they began the dispute.I contacted the company to tell them to remove. They agreed in phone conversation and text to refund me, but never refunded my card. I have had a total of 4 disputes each taking roughly 90 days to " review and investigate the transaction '' Each time the company would say they would disclose to me the evidence that was provided by XXXX to validate the charge. Nothing was ever given and each investigation ended with the same result. I provided them a text conversation from XXXX stating they would refund me, but Goldman Sachs did not think that was good enough evidence.As of today XX/XX/XXXX almost a year later, Hours on the phone with Reps, months of waiting for a decision. I received the 4th decline letter this morning, and again with no evidence or reason why!
Product: Credit card

Discover Credit Card. On the night of Monday XX/XX/2023, my friends and I went to XXXX XXXX at the XXXX XXXX XXXX XXXX and my wallet was stolen out of my bag in the club around XXXX on XX/XX/2023. I found out because I tried to pay for a water and my wallet was nowhere to be found in my bag. I received a text message from Discover on XX/XX/XXXX at XXXX saying " Discover : We just declined {$850.00} at XXXX XXXXXXXX XXXX Do you recognize this transaction Y or N. '' and I responded with 'N '. Discover responded with " Ok, looks like you've identified potential fraud. We can help you right away at discover.com ''. I also received a text from XXXX shortly after the text from Discover on XX/XX/XXXX at XXXX XXXX  saying " XXXX Fraud Free MSG : Did you just try a charge on Date : XXXX XXXX : $ XXXX Where : XXXX XXXXXXXX XXXX XXXX Reply Y or N '' and I responded with " N ''. Immediately after sending those texts I automatically went to my other bank accounts and locked the cards and ordered new cards. Even after responding N to the Discover text, the person who stole my wallet was still able to use the card and managed to steal {$1600.00} worth of charges from the card. They were able to take out a {$1000.00} cash advance from the XXXX and the XXXX claimed that they had my information, mind you the person who stole my wallet had my ID. They were also able to use {$300.00} at the XXXX XXXX XXXX, and more charges at XXXX, XXXX, all charges I did not authorize because again, my whole wallet was stolen. I faxed in documents in XXXX to Discover to appeal this as I am not responsible for these charges as my whole wallet was literally stolen from me. I faxed in my police report, screenshots of the text messages from XXXX and Discover, screenshots of me ordering new cards from XXXX XXXX XXXX and XXXX on the XXXX, as well as a screenshot of my receipt for my replacement drivers license. Discover is continuing to claim the the information I provided is not enough to overturn their decision. I have been using Discover since I was XXXX XXXX XXXX as it was the first credit card I opened and have been a loyal customer since. Discover claims that their customers are " never responsible for unauthorized purchases on your discover card account '' but are here charging me {$1600.00} on purchases I did not authorize because my wallet was stolen. After I was told by Discover that they were charging me back all of the fraud purchases I transferred the balance of my actual balance to another card and have not touched my Discover card since. I have been making the minimum payment on the card and allowing it to collect interest while waiting for this to get resolved because again I am not responsible for those fraudulent charges, my whole wallet was stolen from me.
Product: Payday loan, title loan, or personal loan

ALLY FINANCIAL ARE DEFRAUDING THERE XXXX XXXX  CUSTOMERS AGAIN. ITS TIME FOR ANOTHER LAWSUIT
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX XXXX XXXXXXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$46000.00} Balance updated XXXX XXXX, XXXX Original balance {$45000.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Home Imp Loan Payment summary XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO ND XXXX XXXX CO - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$45000.00} written off. {$46000.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$46000.00} Original balance {$45000.00} Monthly payment - Last payment date XXXX XXXX, XXXX Additional info XXXX XXXX XXXX 258 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the Inquiries that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card

I've consistently made sure payments on this account are punctual, avoiding any instances of lateness. I'm uncertain about the reasons for the late payment remarks. As per 15 USC 1666b - Billing Error, corrections should be done.
Product: Credit reporting or other personal consumer reports

According to XXXX XXXX XXXX, a malicious actor gained access to their systems in XX/XX/XXXX and leaked sensitive data onto the dark web from XX/XX/XXXX to the summer of XXXX. This data contained the following details : Full names. Social Security Numbers.
Product: Debt collection

it is a company called " Portfolio recovery '' they are constantly calling and threatening. They even had someone come up to my XXXX XXXX XXXX daughter in the car while she was getting in and handed over documents when we lived in florida. My daughter was scared and crying.
Product: Debt collection

Attempted to contact debt collector on several occasions to have closed account removed from credit due to possible fraud alert. I spoke with several reps who were not able to locate account to assist with possibly removing closed account from my credit
Product: Checking or savings account

To whom it may Concern I would like to submmit a record of complain against BMO bank, i have been having issue regarding about the refund that i recieved which was issued by world balance on XX/XX/year> issued by world balance ( attached below is a proof of refund /email XXXX  can also verify with there customer service, i was told by BMO customer service that they see the refund on there system but since BMO issued me a New debit card but still dissame acct, that this is the reason why i my money was being Kept by BMO, this should not be an issue since the New Debit card is connected to dissame account. but BMO bank is Keeping my refund for almost a Month now, take note that BMO has been doing this keeping the refund and i had same complain about this 2 months ago which was resolved after CFPB step in, unfortunately they are trying keep refunds again illegaly i hope this bank should be held accountable for what they were doing. 
pls help me recover my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I do no know of this account appearing on my credit report. i have made contact with the company prior to this but they have not complied. The information recorded does not match my records and this has not been approved by me. The collection for southwest recovery ser is inaccurate.