23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have been working with Di-Tech Financial in regards to my loan modification. I have sent numerous faxes followed up by many phone calls. Everytime I speak to someone, they always request the same information that was sent prior to my follow up. When I try to speak to an agent, their voicemails are full and I have to call back. I am usually on hold no less than 15 minutes only to find out the person I was speaking with is not the correct contact person.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX Re : Account # XXXX To Whom It May Concern : I am writing to dispute the above referenced account on my credit report. According to the Fair Debt Collection practices Act ( FDCPA ), debt collectors must provide validation of the debt if the consumer disputs it within 30 days of the initial collection notice ( 15 U.S.C. 1692g ) .i dispute this debt for the following reasons : This is not my account. 

The balance being reported is incorrect. 

This account does not belong to me. 

You have not provided sufficent evidence that i owe this debt. 

As i am disputing this account under the FDCPA, i request that you provide complete verification of this debt including : A copy of the signed original contract or documentation bearing my signature that shows i am directly responsible for paying this debt. 
An itemized accounting of the amount you are trying to collect including all fees and charges. 
The name and contact information of the original creditor. 
The FDCPA states you must cease collection efforts until you have provided me with the requested documentation. Please remove the account from my credit report until the requested documentation is provided.
Product: Vehicle loan or lease

I am so tired of the total incompetence of the Fifth Third Bank and its employees. This is my second complaint against the Fifth Third Bank and in between both of them I have also spoken to the bank and hashed out another issue. 

Our vehicle was repossessed in XX/XX/2021- the loan has been paid off and we no longer deal with the Fifth Third Bank financially. I called the Bank and had to point out that on the credit reports for both my wife and I- they failed to indicate that the account is closed and paid. 

Now on the credit report the summary indicates the loan paid and closed. However, in the detail for the Loan showing payments- they have continued to show R for respossession in XXXX, XXXX, XXXX ....
Product: Mortgage

We had purchased our rental property in XXXX. The loan company at the time or bank recorded the property legal description wrong. We did not find out about this until XX/XX/XXXX when we tried to sell this property in XXXX. We contacted the mortgage company which is now SLS ( specialized Loan Services ) to correct this mistake. This is where the trouble began. They had informed me that it would take them till XX/XX/XXXX to correct this mistake. Over three months for someone to take a look at this. I contacted SLS numerous times, sent an email to there ceo and all I am receiving from them is the run around. They had all the information they needed from the initial contact. 
Now they are telling me I sent paper work to the wrong address, needed to name of the title company before they can proceed. IT is now XX/XX/XXXX and still no answers. 
I lost a sale on this property because they can not get this fixed. Why? 
XXXX
Product: Debt collection

A collection agency under the name " Southern Management Systems '' has reported a " past due '' debt of {$730.00} on my credit report. I received no written notice that they were placing a debt on my credit report and I do not have any unpaid debts with this company as I have never done business with them. I have researched this company online and I have come across several scam stories reported by consumers where this collection company has been involved. The XXXX XXXX XXXX currently has a 100 % negative review rating and XXXX has countless stories of this company being involved in scam efforts. I will not give any money to a company with such a shady background that refuses to explain what they are charging this money for.
Product: Student loan

I have already submitted a borrower defense case on XX/XX/year>. It has been in review for 6 months with no response what so ever. This proves the case is in fact fraudulent because why ignore it for half of a year?
Product: Checking or savings account

I looked at my checking account today and I noticed that there was a electronic bill pay check written under my name to an unnamed source. The check was under my name and address.This check was dated on XX/XX/2020 and posted XX/XX/2020 I called my bank provider ( ally bank ) and after an hour or so conversation was able to open up a dispute on the charge. They also closed my old checking account and transferred the remaining funds to a new one for me.

They said the would get back to me within 10 business days and to call the company ( XXXX ) that the fraudulent check was written to. I dont have an account with them and havent heard of them until today. 

I spoke with a support rep and he said would escalate my issue to a higher up and took some information from me regarding my old bank account number the payment was made from and said they would get back to me tomorrow. 

Neither of these conversations left me feeling 100 % confident I would see my money returned and Im stressing out with the end of the month coming up as I can no longer afford rent due to this. 

Additionally, I've attached an image of the fraudulent check that was electronically filed under my name.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, I received a text from Wells Fargo stating there was a zelle transfer for {$3500.00} trying to process and we it me. I sent the no response and shortly received a phone call from Wells Fargo. The caller ID said Wells Fargo and the phone number was the one of the back of my debit card. So when I answered the 'representative ' told me about this transfer trying to complete from Idaho was it me. I denied the transfer and he said they were going to do a zelle transfer of all of my current funds to myself. So my account would look like it was empty. He explained this would put a block on my acct for XXXX hours so no other transfers would occur. On XX/XX/22 I checked my account and still no money but I had previously scheduled debits out so of course an overdrawn account. I called Wells Fargo and they said it's a scam and they filed the claim. I was told to call back XXXX business days later for the result and here we are XXXX business days later, and Wells Fargo is starting it was an authorized transfer and no need to give me my money back. The bank acknowledged these scams are going on, they conveniently sent out about email to customers about XXXX days after this incident happened to me to warn customers but failed to say it is not their problem.
Product: Debt collection

paid as agreed ... should not have gone to collection ... submitted proof of {$730.00} paid back last year. Statement showed paid in full
Product: Money transfer, virtual currency, or money service

I was sent a email from XXXX about an invoice in the invoice had if you did not authorize this to call this number. So I called the number and was asked to authorize a XXXX payment to prove that I was the person sent the invoice and that the XXXX payment would be cancelled so I did the XXXX authorized payments and they never cancelled or returned my money like they said it was all a scam my bank pnc would not work with me to return my money.
Product: Mortgage

I reached out to Wells Fargo concerning my mortgage payment and asked for help in filing a Loan Modification. During the process Wells Fargo has given us 4 to 5 different Loan Modification Specialist and each time they lose paperwork, we 're having to start the process over again and requesting us to scan and fax papers over again. I believe this is one of Wells Fargo tactics to say they 're trying to help but only assigning us to different Loan Modification Specialist and will continue until we so far behind we have no other option but to file bankruptcy. I do n't believe Wells Fargo is trying to help us save our home. We have enough money coming in to keep the mortgage paid on automatic draft once a month due to my spouse military XXXX of 70 % and the military is working to increase her military compensation. Due to the weather and recent hurricane damage we needed time to make repairs on our home and reached out to Wells Fargo for help with this matter. Wells Fargo has open many Checking and Saving accounts in my name without my approval but ca n't help me with a Home Modification. I would like someone from Wells Fargo to truly devote their time to helping us save our home. 

XXXX and XXXX XXXX Loan # XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( original XXXX XXXX  XXXX ) XXXX # : XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks
Product: Credit card or prepaid card

Ordered credit report today XX/XX/2018 noticed  fraudulent accounts under an old address of mine
Product: Credit card

Last question asked was information received involving request. The answer is yes and no. Wells Fargo denied a retail credit application. I currently already had credit with this XXXX XXXX XXXX. However, all furniture stores left XXXXXXXX XXXX Now XXXX XXXX finance through Wells Fargo. Wells Fargo denied my application and lists four reason why they did. Next, I contacted the credit reporting agency XXXX. XXXX informed me that a report would be filed for their records and to contact Wells Fargo concerning denial. I did. I attempted again today XX/XX/year>. I was told by XXXX. in the escalation department that they do not discuss denials only approved credit. 
Denial letter specifically states that a creditor can not deny credit based on income, race etc. The other thing is I do have good credit. I do not have too many accounts with balances as stated, nor do I have any delinquency. 
Wells Fargo 's denial of credit to me is outside of what your agency describes as Fair Credit Reporting Act. It profiles me and falsifies my credit as a whole.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these company 's and when I reached out they had no knowledge or record of my application the companies are. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

On XX/XX/2018 I disputed and requested validation from Diversified Consultants, Account # :XXXX  via certified mail that they received on XX/XX/2018. I received a response letter from Diversified Consultants dated XX/XX/2018 with a photocopy of a bill. A copy of a bill is not validation of a debt. Is it possible to validate a debt in two days? On XX/XX/2018 I sent another letter via certified mail ( received XX/XX/2018 ) requesting validation of this account and the procedure used to determine the accuracy and completeness of the information. As of XX/XX/2018 I have failed to receive validation. These are violations of the FDCPA including but not limited to Section 807 ( 8 ) and FCRA including but not limited to Section 623 ( b ). This needs to be deleted immediately.
Product: Student loan

Wells Fargo is the lender of this private student loan. The lender had been informed of my financial hardship for over 12 months. They had denied consolidation, lowering monthly payments, and finally when they offered a forbearance, they mentioned that I had to pay three months of on-time minimum payments. I have student loan debt that is triple my income. In monthly payments alone, a total payment equaling {$1300.00}. I had been through periods of time not receiving timely paychecks due to a public service related job. The three months of payment would have been fulfilled to receive the forbearance, but Wells Fargo failed to inform me that the payment was short of {$67.00} to fulfill the three month terms and receive forbearance. It was less than 24-hours from the time the payment was attempted to be made to the time the loan went into default. The statements always mentioned only the past due amounts and did n't clearly state the minimum payments. When I addressed the issue with Wells Fargo they were rude and aggressive. There were no options to reverse the default. They ruined my credit for over a year without assisting in any manner. The supervisor ( XXXX ) in the recovery department harassed me and treated me with no respect. I have countless records of trying to request payment assistance from this corporation. They also told me they reviewed my income and expenses but when I told them my expenditures for groceries and gas to carry-on my job, they told me that those were n't essential to determining sufficient payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed addresses of places Ive never lived and could not get it corrected! 
I feel my identity has been used fraudulently! I have been fighting fraud on my accounts at every bank I go to and it has caused my accounts to be closed which reflects badly on my credit report! Many accounts were closed at XXXX XXXX with out my knowledge and fraud as detected on my accounts which I disputed and they wrote it off because they couldnt prove the charges were mine! This also has ruined my credit! A divorce ruined my credit because my ex closed all my accounts without my permission! Ive had attempts to open accounts under my name that I didnt open!
Product: Credit reporting or other personal consumer reports

My information was compromised and fraudulent accounts established. I have no knowledge of the accounts. I have disputed the accounts on several occasions with the three Major Credit Bureaus. I was never provided details of investigation process or procedures, accounts came back verified. Below are the accounts : XXXX XXXX XXXX Last reported XX/XX/XXXX XXXX : {$1000.00} Open balance XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX Original creditor XXXX & XXXX Last reported XX/XX/XXXX {$840.00} Open balance XXXX XXXX XXXXXXXX Original creditor These inaccurate information remain on my credit and is irreparable.
Product: Credit reporting or other personal consumer reports

XXXX  has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnished. Accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has not corrected my city as it appears on my license.
Product: Checking or savings account

I opened a business checking account with Bank of America that had a promotional bonus of {$1000.00} for maintaining a {$30000.00} bonus for 60 days. I completed the requirements for the bonus and Bank of America will not pay it, claiming I should have used an offer code. No offer code was required when I opened the account, nor is one required in the terms and conditions found in the attached screen shots of the application page.
Product: Credit card

Applied for a Chase XXXX preferred card online, after submission I was told that my application was pending and I should receive a letter shortly with the decision. 

I called the Chase Reconsideration line and was told that I opened too many credit accounts in the past 24 months. Unfortunately no one was able to tell me the number of accounts that they 're gouging, nor was there any wording in the application that stated they would check the number of accounts opened in the past 24 months.
Product: Debt collection

On XX/XX/XXXX, I sent a letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX asking that pursuant to the FCRA & the FDCPA, they validiate this debt. According to the FAIR CREDIT REPORTING ACT Section 609 Disclosures to consumers ( a ) ( 1 ) ( A ), this company is required by Federal Law to verify through the PHYSICAL VERIFICATION of the ORIGINAL SIGNED CERTIFIED CONSUMER CONTRACT of any and all accounts you request to be posted and or reported on a credit report. They responded with the letter I have attached below which they are intentionally not complying and requiring notarization means undue hardship since one typically has to pay for a notary and that is a violation of FEDERAL law.
Product: Student loan

I am filing this complaint against Navient about some very troubling concerns regarding some business practice at their establishment. I have some federal and a private loan with the company. My loans were recently transferred over from XXXX XXXX. Since the transfer, I start receiving statements in the mail for both loans. I step up payments for the loans from my us bank account. I set up the XXXX loan payment for account XXXX for {$220.00}. The minimum due amount was XXXX. I set up XXXX loan payment for account XXXX for amount of {$120.00}. The minimum amount due was XXXX. However, that is not how their system applied the funds. When the first payment was received with specific amount of {$220.00} for account [ XXXX ], the system automatic applied XXXX to federal loan and applied amount of {$65.00} to private loan [ XXXX ]. When the second payment was received, it applied the entire amount of {$120.00} to private loan [ XXXX ] which at the time did n't have a balance due. It appears the system is design to automatic to apply funds however it best fit to benefit Navient and not the customer. It appears the system is programmed to always accumulate late fees and interest on fees for client to benefit Naveint. At this rate, it will take longer to pay off loans in which the loan amount continues to grow. I think this practice is very questionable and it appears to be illegal.
Product: Prepaid card

Used this card twice. Once for {$44.00} at a mail order pharmacy XX/XX/XXXX and once for {$27.00} at XXXX on XX/XX/XXXX. 

Apparently XXXX took too much money from my card and has tried multiple times to fix their error. 

XXXX took an extra {$13.00} off my card when they processed my purchase. 

XXXX has realized their error and has tried REPEATEDLY to put this money back on my card and each time they try to do it. Blackhawk rejects the credit. 

XXXX has tried AT LEAST three ( 3 ) times to credit my account and each time the credit is refused.

I am out {$13.00}
Product: Debt collection

I had no money had all I could do to pay my rent. Offered to pay XXXX $ per month and he refused it. Called me at all hours. Never in my life have I had someone be so rude and disrespectful and not want to work with me. He made me feel about an inch tall and I cried I was so upset. Now on XXXX report these do n't even show and XXXX dies and has dropped my score. I had no idea I could dispute this. I did n't know to even dispute it to. Asked to speak to his manager. He basically told me I was trash. I did end up paying the XXXX $ XXXX and it 's still on my credit report. I just want it removed off the XXXX credit report.
Product: Checking or savings account

XXXX XXXX Navy Federal charges NSF fees and I was charged Multiple NSF fees and would like to be a part of the class action lawsuit. I have had several conversations with NFCU when I was charged these fees
Product: Debt collection

I did not schedule or verify payments to chase credit cards. My checking account is linked to the cards. They reported my credit cards as delinquent to the credit company 's and removed money from my debit card with my authorization or notice.
Product: Checking or savings account

I received a call from Wells Fargo 's Fraud Prevention Contact Center on XX/XX/2021 about funds transferred into my checking account on XX/XX/2021. The transfer was from a bank in the XXXX and I was told that the account holder never authorized the transfer. They asked if I knew the person and I did not and they asked me how someone would get my account information. I told them the reason why. The Wells Fargo representative then told me my account would be closed and I would receive any remaining money in my account by XX/XX/XXXX. It wasn't until I receive an email from Wells Fargo that it indicated I could not withdraw any funds from my account. 

I called the Fraud Prevention Center back and the gal was so rude to me and I asked to speak to her manager. She transferred me to XXXX XXXX XXXX XXXX, which I had to hang up before I could talk to them, because I received another important call. The transfer I was supposed to receive was from another bank in the XXXX and another account holder, there must have been some mix up. Instead of calling the Wells back, I went into the branch and the bank manager tried to get some money out of my account and the XXXX XXXX XXXX XXXX refused to give it to me. I was extremely upset. How was I to pay my bills, get my medications, or get groceries? 

I called the Fraud Prevention Center back because I have a business account and was expecting a wire transfer for that account and I asked if it was closed too and they told me it was, so I had the gal transfer me to XXXX XXXX XXXX XXXX. I told the guy that needed money to survive. Also, Wells just received two large payments into my account. Finally they were going to let me have the money from my last payroll deposit, but the account is still being closed and they don't want to do business with me. I don't want to do business with them either! 

I have had this account for almost 20 years and I was totally being treated like a criminal by Wells Fargo Fraud Prevention Center and the XXXX XXXX XXXX XXXX. Their treatment of me was disrespectful and disgraceful that I wish I could let their CEO know that the culture they foster is a detriment to all their customers and now former customer.