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

Dear Sir/Madam, I am writing to file a formal complaint against Wells Fargo regarding their refusal to reimburse me for unauthorized transactions on my account while I was XXXX. My name is XXXX XXXX, and my account number with Wells Fargo is XXXX. 
Despite being XXXX  during the period in question, unauthorized transactions were made on my Wells Fargo account without my knowledge or consent. 
Upon discovering these transactions, I promptly contacted Wells Fargo to report the issue and requested reimbursement for the unauthorized charges. However, Wells Fargo has repeatedly refused to reimburse me for these unauthorized transactions, citing various reasons that do not justify their failure to protect my account and address the fraudulent activity. I have provided Wells Fargo with all necessary documentation and information to support my claim, including proof of my XXXX  during the time of the transactions. 
I am deeply concerned about Wells Fargo 's handling of this matter and their apparent disregard for consumer protection laws and regulations. Their refusal to reimburse me for unauthorized transactions has caused significant financial hardship and distress. 
I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure that Wells Fargo fulfills its obligations to me as a consumer. I request that the CFPB take appropriate action to hold Wells Fargo accountable for the failure to protect my account and provide me with the reimbursement I am rightfully owed. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in resolving this dispute. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Subject : XXXX XXXX XXXX ; XXXX Claim Ending # XXXX ; Missing XXXX $ in Next Day ACH Transfer. 

I initiated a next day ACH Transfer from my XXXX XXXX XXXX Checking Account on XXXX XX/XX/2021 to TransferWise Business Checking Account but it never got deposited into Recipient 's account. It has not credited back to my account either. 

After further investigation, we noticed the TransferWise account number in the transaction is incorrect and XXXX XXXX XXXX requested for a Recall of the funds. 

It has been almost 30 days now but no update on where the funds are from both the financial institutions ( XXXX XXXX XXXX & TransferWise ). 

I created one claim with XXXX XXXX XXXX ( which was not approved ) that has all the information and multiple tickets to TransferWise on the missing funds but nothing worked till date.
Product: Debt collection

I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.
Product: Mortgage

In XX/XX/2020 my husband and I XXXX a XXXX  XXXX but had to have it dismissed because during Covid we missed a couple of payments. We voluntarily had it dismissed so when we were able we could refile. We continued to send our mortgage payments but phh kept returning them to us. So eventually I stopped sending them and concentrated on paying off our electric bill that had ballooned because of Covid and having everyone home with remote learning. We are trying to get a repayment plan because of Covid. But they refused us and now have an appeal in process. This week we received a notice that our homeowners insurance will be cancelled on XX/XX/XXXX. Because of phh. We wouldnt have this problem if they accepted our mortgage payment. We have foster children living here so everything needs to be in order. Thankfully both my husband and my employers has raised our salaries and would like to be able to pay our mortgage and pay extra monthly towards whats owed.
Product: Vehicle loan or lease

On XX/XX/XXXX, I visited a car dealership XXXX XXXX HONDA XXXX to trade in my XXXX XXXX  pickup truck for another vehicle with a lower monthly loan payment. I was accompanied by my son. During the credit check, it was discovered that my credit score was insufficient to qualify for the loan on my own, and that I would need to combine my credit with my son 's in order to be approved. 

In the interest rate negotiation phase, we were initially offered an interest rate of 9.89 % for the car loan. The dealership representative explained that this was the best rate they could offer due to our low credit scores and incomes. We agreed to this rate. 

At the contract signing, we were offered a variety of additional services, such as an extended warranty and Honda Care. We declined these services because they would increase our monthly loan payment. The dealership representative was persistent in his sales efforts, and it was already XXXXXXXX XXXX. He then proposed that we purchase the extended warranty and Honda Care in exchange for a lower interest rate of 5.9 %. We agreed to this offer but requested a lower monthly payment, which was {$650.00}. However, our request was denied.

After the purchase, we requested the cancellation of the extended warranty and Honda Care. As of our last communication with the dealership, the cancellation had not been processed, and the total loan amount on our statement still included these services. The dealership claims that the cancellation process takes 6-9 weeks.
Product: Checking or savings account

Through its Optional Overdraft Protection Service, known as OOPS, XXXX XXXX charged consumers {$20.00} for most overdraft transactions. The XXXX XXXX collected nearly {$1.00} XXXX in overdraft fees from XXXX to XXXX. 

Members were illegally charged overdraft fees in XXXX ways
Product: Debt collection

This debt collector Absolute RESOLUTIONS Investments , LLC did not validate this alleged debt according to the FCRA and FDCPA and yet you are sending me a letter when I had requested a Cease and Desist. Violation of my consumer rights will result in legal action.
Product: Credit card or prepaid card

XX/XX/XXXX, a line of credit of {$500.00} through a credit builder company, to establish a line a credit. The objective is to make monthly payments, and at the end of the year -- company releases funds, as paid satisfactory. 

This account however, was opened in error -- I can not confirm which email, or checking account they have linked. Furthermore, no funds have been pulled, ie : XXXX XXXX. 
In addition I have been calling the company twice a month, to reach a voicemail, that does not have customer service, and states : that it does not accept any voicemails. 

Final attempts to reach the company with zero results, until today when I saw my credit reports for XXXX of XXXX -- it indicates the opening, ( error ) and two late payments for XXXX and XXXX of XXXX. Upon further investigation and updates to their website- for communication, I managed to find an email ; a complaint was sent out today, to request the closure of the account -- and to remove the errors in its entirety.
Product: Credit reporting or other personal consumer reports

This is a Navient Problem! Passing off the problem to the new servicing agent does not fix the Navient incorrect reporting. 

The issue is during when Navient was servicing the Loan. See attached file. You are in violation of the law! As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, you are not allowed to propagate misleading information. Currently Navient is knowingly making false and misleading statements about my student loan debt. As per the COVID-19 Emergency Relief and Student Loan guidance from the Department of Education ; all Department of Education owned loans are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of 2003 ( HEROES Act ). Based on these acts the Department of Education put for the following policies : Accrual of interest on XXXX-held student loans and certain non-XXXX-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. XXXX-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for Public Service Loan Forgiveness ( PSLF ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the nine voluntary payments required for individuals to rehabilitate their defaulted loans. Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on XXXX-held student loans for XX/XX/XXXX, through XX/XX/XXXX. Multiple rules related to the 120 monthly payments required to qualify for PSLF were waived. A one-time revision was made to the accounts of borrowers with XXXX-held loans to provide credit toward the IDR plan maximum repayment period for any months in which they were in repayment status and for specified periods of deferment or forbearance. My Navient student loans were owned by the Department of Education ( proven by the Department of Education TDU approval ). As per court order ( CFPB vs Navient XXXX ) Navient has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. Navient is no longer responding to my verification requests. Navient is still responsible for removing incorrect and inaccurate reporting information on my credit report, in accordance with federal law and the FDCPA. As per CARES Act and HEROS Act any and all Navient late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. Any and All late payment information from that time period needs to be removed immediately.
Product: Debt collection

Capstone Credit And Collections are trying to collect and reporting a debt that I do not owe. They are representing XXXX XXXX XXXX XXXX in a attempt to collect {$3700.00}. I already sent them written notifications stating that I do not owe them, nor XXXX XXXX anything, and demanding they remove this from my credit report, but they have done neither.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The above accounts have 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) .A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 8 loans on my credit report that do not belong to me I have not signed or applied for these I have no clue how these got here. 

Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Debt collection

Amount is {$700.00} I was trying to figure out how my balance was so high and the company didnt tell me why
Product: Credit reporting

Experian REFUSED to provide me a credit report for a declined loan based upon credit information Experian proved to the lender ( XXXX XXXX XXXX/XXXX/2015 )
Product: Debt collection

Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.
Product: Credit reporting or other personal consumer reports

My loan is listed twice on my credit report so it looks like my debt is double what it should be. One Loan is shown as XXXX XXXX XXXXXXXX and the other is XXXX XXXX XXXX XXXXXXXX is the current processor of the loan.
Product: Mortgage

Since the transfer of my mortgage to Nationstar from my construction company 's mortgage company there have been an endless stream of problems. First off they messed up the Escrow account by not paying my property taxes and sent me a XXXX refund. This refund had to be repaid a few weeks later as it was identified it was sent in error and then the taxes were paid late. This then started ongoing Escrow re-calculation and payment problems that are still unresolved nearly a year later. Despite numerous lengthy phone calls to their Escrow Dept and promises that it would be resolved the problems continue. All of my payments are made on time but because of Nationstar 's inability to resolve the problems my monthly payments are held in suspense which then trigger daily " collection calls '', in some cases multiple calls each day, including weekends. I have spoken to multiple customer service agents that always state they can see the problem and will resolve it but to date this has never happened, usually with only part of the problem being fixed and a new problem surfacing. Additionally, Nationstar Escrow Dept did not pay my home insurance coverage upon renewal, resulting in the policy lapsing. Nationstar claim that the Escrow did not cover insurance which was not how it was originally setup and fortunately I was able to resolve this with the insurance company directly who reinstated the policy. 
8 months later and there are still issues on the account. I am still receiving harassing phone calls daily from collection department agents and repeated threats to report me to the credit reporting agencies.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 ( US- Eastern Standard time ), I tried to withdraw 0.4 BTC ( Bitcoin worth ~ {$4000.00} at the time ) from my account on CoinbasePro to a white-listed address ( digital wallet ) I've withdrawn to for at least 30 times without a problem. CoinbasePro showed a message stating withdrawal not allowed because it was under maintenance. Instead of crediting the 0.4 BTC back to my account, CoinbasePro kept the 0.4 BTC. CoinbasePro showed the transaction in pending status without a  destination address or transaction hash ( where destination and transaction hash are proof a withdrawal is successful and traceable on the blockchain ). I filed a total of 5 tickets over the course of 11 days, providing all the information requested to their Support team. They failed to help and kept closing my tickets, claiming they were resolved. But my issue was never resolved! I am still missing 0.4 BTC ( Bitcoin ). 

I called but they do not have phone support for this and directed me to their website. I emailed the CEO, XXXX XXXX, on XX/XX/XXXX detailing my issue and frustration with the support team referencing Case # XXXX. The next day, that ticket was closed and my 0.4 BTC was still missing. 

As of today, Coinbase still owes me 0.4 BTC! 

Case # s : XXXX, XXXX, XXXX, XXXX, XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, I personally purchased airfare for a close friend as her Dad had a XXXX XXXX. This was a loan and she agreed to pay me back. At the same time I was grieving as my husband of 30 yrs had passed away after a two year battle with XXXX. As he handled all the bills, I was lax on reviewing my citibank statement. I spend $ XXXX a month on the card so approx. a XXXX charges per month. In XX/XX/XXXX, I noticed my payment was close to $ XXXX so I investigated. I found fraudulent changes dating back to XX/XX/XXXX. Upon further investigation, I traced all these charges of {$29000.00} to this same close friend. When I confronted her, she tried to say it was all a mistake. I realized she had taken my credit card from my wallet and copied the information and used it to pay her Utilities, her food, and fake invoices for her XXXX business knowing I was grieving and taking advantage of that. 
I contacted Citibank and noted each charge as fraud through the website. I was credited {$7500.00} quickly while they opened up an investigation. This was pretty much one credit of a fraud charge in each category. I was told by Citibank to file a police report, which I did and provided Citibank the report number. This is where all the XXXX began. I called weekly to get status on my claim and got the runaround as spoke to numerous Customer Service Reps who could not provide any updates. Suddenly, my case was closed with an email letter sent to my Citibank inbox without me knowing. Citibank stated that their investigation showed that this friend was an authorized user and denied my claim. Note : Citibank would not allow me to send any of the attached files. I was also told that the investigator never contacted the Police Dept. to get a copy of the fraud report. I have attached all files provided in the police report. 
Note : As they denied my claim, Citibank still credited me {$7500.00} which does not make sense as they denied my claim. I even mentioned this to the last Customer Service Supervisor I spoke to and she said it looked like different departments were not communicating.
Product: Student loan

I am currently under the PSLF ( since XX/XX/XXXX ). My loans have been placed on an automatic deferment, by MOHELA, due to me attaining my XXXX ( estimated completion in XXXX XXXX ). On XX/XX/XXXX I spoke with XXXX ( very helpful and professional ), from MOHELA, requesting to remove the deferment so I can make qualified payments towards my forgiveness. She assured me that the deferment would be lifted in 3 weeks to 1 month max. It has been nearly 2 months and the deferment is still there. On XX/XX/XXXX, I called MOHELA and spoke with XXXX, who unprofessionally hung the phone up on me. I would simply like the deferment to be removed so I can make qualified payments to receive forgiveness. Time is of the essence, and each month that passes without me making qualified payments affects me. I am very disappointed with MOHELA. Thank you.
Product: Credit card or prepaid card

XX/XX/2020, XX/XX/2020, XX/XX/2020 I wrote company in XX/XX/2020 about my financial Hardship -supplied my companies layoff letter for proof, the company insisted in making late payment marks instead of lowering anything, I recently requested a Amendment, I've paid over 85 percent on time with company. This would have never happen, however people are getting laid off globally - Company refused my amendment. I've made my payments, compromised during the corona-virus pandemic and layoff times. Please correct these Report Marks at least. - The account is paid in full at this point.
Product: Debt collection

I requested a copy of my credit report through Equifax and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. 

I disputed the account with Equifax and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that Equifax, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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