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 an unresolved issue with an overpayment and a missing cashier 's check. 

I discovered an overpayment of {$6400.00} in my business account with Wells Fargo, under the business name " XXXX XXXX. '' Upon notifying Wells Fargo of this discrepancy, I was informed that a cashier 's check would be issued to reimburse the overpaid amount. I was assured by Wells Fargo representatives that the check would be reissued within 15 business days. 

After the specified timeframe passed, I followed up with Wells Fargo to inquire about the status of the reissued cashier 's check. To my dismay, I was met with evasive responses and a lack of clarity regarding the resolution of the issue. Despite numerous attempts to seek clarification and a definitive timeline for the reissuance of the cashier 's check, I have been met with inconsistent information and a failure to provide a satisfactory resolution. 

I have diligently maintained communication with Wells Fargo regarding this matter and have documented all correspondence, including emails confirming the intent to reissue the cashier 's check. However, despite assurances from Wells Fargo representatives, no tangible progress has been made in resolving the issue. 

I am deeply concerned that Wells Fargo is withholding my funds and failing to fulfill its obligation to rectify the overpayment. The prolonged delay and lack of transparency in addressing this matter have caused undue financial hardship and frustration. 

I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and facilitate a prompt resolution. I request that Wells Fargo be held accountable for its actions and compelled to expedite the reissuance of the cashier 's check without further delay. 

Thank you for your attention to this matter. I look forward to a swift and satisfactory resolution. 

Sincerely, XXXX XXXX
Product: Checking or savings account

COMPLAINT My Checking Account at XXXX XXXX  was hacked on Friday, XXXX XXXX, XXXX. I called Customer Service ( XXXX ) that evening and received the message that the bank was closed and to call back during regular banking hours. It being the long XXXX XXXX 's Day weekend I went to the bank on Tuesday when it opened. 

In the meantime several fraudulent and unusual transactions occurred. I filed a report which they sent to the Fraud Dept. I followed up several times in XXXX and XXXX. 

In one phone conversation I asked why they did not catch the many fraudulent transactions that occurred. Their reply was " because they looked normal ''. A minimal amount of common sense will show they were very unusual compared to my normal activity. 

On XX/XX/XXXX, I spoke to a XXXX of Human Resources ( XXXX ) She informed me that based on their records the withdrawal of {$700.00} on XXXX XXXX was done by me. I told her that NONE of the several fraudulent transactions that occurred was done by me. She told me there was nothing else she could do. 

RESOLUTION XXXX XXXX  should reimburse me my loss of {$700.00} for the following reasons : The bank failed to to protect my money because it does not have a 24/7 surveillance of bank accounts and they do not have a 24-hour hotline. 

Several unusual and fraudulent transactions occurred during this period which they were not aware of because the bank was closed during the long XXXX XXXXXXXX XXXX  Day weekend.
Product: Credit reporting, credit repair services, or other personal consumer reports

After pulling my credit report I noticed there was an account from Diversified Consulta I called the company explained that it did not belong to me and they explained I needed to file a fraud acct which I did after filing it I called back and they told me I had to wait 90 days before it would be resolved. They are just giving me the hardest time trying to get this matter cleared up I have a mortgage pending and 90 days is not acceptable I called back and ask if I could get any information about the account showing that I have filed fraud charges and they told me no I just needed to wait. I spoke with XXXX XXXX XXXX and filed a fraud claim for them as well and they have are telling me the same thing. According to XXXX XXXX XXXX this account was open at a different address than mines for the amount of {$890.00} also the dates is XX/XX/2016 to XX/XX/2016 and I was under a lease at my current address at that time I want this deleted and removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a dispute with Equifax on XX/XX/2023, and with XXXX on XX/XX/2023 about the {$940.00} dollars that XXXX has on my credit report however its still there
Product: Credit reporting or other personal consumer reports

Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account Number : XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require MISSIONLNTAB to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed immediately : 1. This Account WAS NOT Authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have defaulted on my student loan and fully accept that portion of my actions. My complaint, however, centers on the collection agency assigned to my debt : National Recoveries. I have contacted them by phone and letter ; their phone number is a single line that leads to a voicemail to which they have failed to either ( 1 ) answer at any given attempt of my 23 attempts and ( 2 ) have failed to contact me during times I have stated I would be open and available to talking to them about my debt issue. They have only provided one manner in which to contact them and have contacted me once according to my phone records which was not a stated time as I was at work which was XXXX. They 're failure to provide a dialogue of any sorts not only has resulted in higher accrued interest but also my inability to settle a debt or make voluntary payment arrangements with them as they fail or simply do not wish to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item that keeps being put onto my credit report by all three major credit bureaus. The item is from XXXX XXXX XXXX. 

XXXX XXXX XXXX filed a lawsuit about the alleged debt and the case was dismissed due to " There is not sufficient evidence to continue prosecution of this case. '' and the case was dismissed. I have asked for this to be removed and to not be reposted to my credit report and it continue to reappear on all three bureaus. 


All three credit bureaus Equifax XXXX XXXX Debt Collector XXXX XXXX XXXX Amount of alleged debt {$2400.00} Account # XXXX Court Justice Court XXXX XXXX XXXX XXXX County Texas Case Number XXXX Dismissed Date XX/XX/2018 XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX There was a charge on my venmo account for {$130.00} From an unknown merchant. 
I contacted venmo on On the same day that I saw It to dispute the charge .they did an " investigation " and got back to me After several days and told me the claim was denied so They suggested I follow in appeal. I also decided to reach out to the merchant myself .when i contacted the merchant on XXXX they realized it was fraud and were willing to refund the money but upon advisement from venmo i had closed the account the refund would have gone to and opened a new one also with venmo.The merchant was willing to refund it to the new account pending a verification with venmo via XXXX way call between the merchant myself and venmo. 
I called venmo XXXX and they said they couldn't do a XXXX way call or reach out to the merchant But then I have an email saying that they wouldBut could not get anyone to follow through with anything and the company supposedly sent them paperwork to be filled out in order for me to receive my money and I have been emailing and calling venmo relentlessly from the day this started. They are always giving me the runaround. I need them to allow the merchant to refund the charge of {$130.00}. There were also overdraft fees and things like that occurred due to them taking this money from my account but I at this point I'm willing to just get back to the Fraudulent charge. I get the same repetitive emails back and forth the basically are just pacifying me and no one is doing anything that they're supposed to. I am a senior citizen on effects social security income and a {$130.00} is quite a bit of money for me and I don't know that they're going to do anything unless I contact you and I just want the money so I can close the account I'm also attaching a couple of emails so that you can see the inconsistency in the stories then I'm being told this XXXX example is the XXXX different things I was told about them being able to contact the merchant. So you can see how they are Saying all kinds of different things. Thank you in advance for helping This has been a problem since the middle of XXXX
Product: Credit card or prepaid card

This credit card was opened in my name without my knowledge. I filed police report for identity theft, and the 3 credit bureaus blocked them from reporting. 45 days later ( after the 30 days allotted ),  Discover added it back to my credit reports and told me " someone has to pay for it '' even if I was a victim of fraud.
Product: Credit card

Dear CFPB Representative, I am writing to formally file a complaint against American Express for violating the Military Lending Act ( MLA ) in my case. I am currently on XXXX XXXX and have been wrongfully charged an annual fee on my American Express account, which I believe is in direct violation of the MLAs provisions protecting servicemembers from such fees. 

On XX/XX/XXXX, I contacted American Express to dispute the unauthorized charge and requested that they remove the fee. They responded by requesting documentation to verify my active-duty status and my eligibility for MLA protections XXXX I promptly provided all requested documents through their designated process. However, despite submitting the necessary information and following all their instructions, American Express has failed to remove the unauthorized fee from my account. 

Additionally, because the fee remains on my account, I am now accruing interest on charges that should not be there, further compounding the financial harm caused by their noncompliance. It has now been over three weeks since my initial contact with American Express, and they have yet to take corrective action. 

I am seeking immediate assistance from the CFPB to enforce my rights under the Military Lending Act and compel American Express to : 1. Remove the unauthorized fees from my account.

2. Refund any interest or charges that have accrued as a result of these fees.

3. Ensure compliance with the MLA for my account moving forward. 

I appreciate your prompt attention to this matter, as this ongoing issue is negatively impacting my financial well-being. Please let me know if you require any further documentation or information from my end.
Product: Credit reporting or other personal consumer reports

Inquiries have been submitted to my report that were not authorized. I have been attempting to contact each company and XXXX XXXX XXXX and have not been successful. Inquires reporting are listed below : Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and permanent deletion of the fraudulent accounts and inquiries listed below from my credit file. These entries are the result of identity theft, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed. 
Fraudulent Accounts to Be Blocked and Deleted XXXX. XXXX  XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX o Balance : {$250.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XXXX  Balance : {$180.00} XXXX. XXXX XXXX Account Number : XXXX XXXX  Date Opened : XX/XX/XXXX XXXX  Balance : {$1400.00} Fraudulent Inquiries to Be Blocked and Deleted XXXX. XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX  XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX
Product: Debt collection

XXXX charged me unfairly for using phone call oversea And I know XXXX XXXX XXXX was ordered by FTC to pay over XXXX for overcharging their customers. 
please read my attachments.
Product: Credit reporting or other personal consumer reports

This is a charge off account still being updated inaccurately as this account was charged off. IRS states that a charge off is considered cancel debt, nothing can be collected, and can not be reported on my credit report. According to 15 USC 1681 ( e ) B this is a violation of my rights.
Product: Student loan

I signed up for a Rate Reduction plan with Navient. The plan was set for $ XXXX automatic payments. Whoever established the plan made an error and multiple payments were taken out over a span of 3-4 days. When I complained about the issue I was told that I owed the money regardless and there could be no refunds. I wish I'd known about CFPB when this happened. Hopefully others can learn from Navient 's predatory lending processes.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX # XXXX Account Name : XXXX  # XXXX 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 a 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.
Product: Bank account or service

I still do not know why my bank accounts have been frozen, and I 'm still waiting on receipt of the form from XXXX 

However, as I 'm made clear to you, I need to pay my mortgage as agreed to keep my home. I have CC XXXX, the attorney who has worked out my arrangements with my mortgage company -- XXXX The payment of {$1600.00} is due no later than XX/XX/XXXX. If I do n't make this payment I could risk losing my home. 

As they stated, they will reach out to " XXXX '' the XXXX for their branch. I have not gotten a reply. 

This is a very bad experience. I would like to speed up the XX/XX/XXXX day freeze period and do simply withdraw all funds, close the account and part ways.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Inquiries List Below XXXX XXXX XXXX  ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX XXXXXXXX ( Finance ) XXXX XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Finance ) XXXX XXXX  XXXX XXXX XXXX ) XXXX ( Miscellaneous ) XXXX XXXX XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Finance ) XXXX  XXXX ( Bank ) XXXX XXXX ( Finance )
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting 2 bankruptcies on my credit report in error. I have requested on NUMEROUS occasions to have this situation resolved to no avail. On XX/XX/XXXX at XXXX CST I spoke with XXXX , an Experian supervisor in the special service department, and was told they DO NOT know for certain the source they are verifying or validating the information they are reporting on my credit report so they can not disclose that information to me. That is a clear violation of the FCRA. They believe it can possibly be XXXX but they are not certain. XXXX also said that I may have to file a law suit to get Experian to comply. This situation has been going on since XX/XX/XXXX and has caused financial distress, additional expenses and denied credit. I have been in constant contact with XXXX and participate in their data suppression & credit freeze programs because of errors in their reports as well. After disputing the errors in the XXXX report, XXXX did remove the bankruptcies. Experian still has not corrected the errors and is still reporting improperly verified information. Attached is a revised copy of the XXXX report which reflects the removal of the derogatory records.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX, and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX, and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT and UPDATE all information which can not be verified. 
XXXX XXXX XXXX Date opened : XXXX XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX acct # XXXX In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurato on my credit report The Crodit bureaus stated my account was property investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accuraso. This ground for removal thay also violated my rights under 15 U.S.C 1681 soction 602 A. Statos I havo tho righl to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agony can not furnish a account without my written instructions
Product: Student loan

I was sent a letter from Dept of Ed saying my loans were discharged due to borrower defense and that a a refund would be issued. If i had questions, to contact my servicer. So i contacted Mohela and they said i will not be getting a refund.