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

Urgent Request for Reinstatement of Funds. 

I am writing to formally express my serious concerns and profound disappointment regarding the recent handling of fraudulent transactions on my Wells Fargo checking account. 

I promptly reported to Wells Fargo that XXXX unauthorized transactions totaling {$2100.00} had been made from my account. During my initial call, I was assured by your representative that the matter would be resolved, and provisional credits were temporarily applied to my account. However, contrary to these assurances, on XX/XX/XXXX, Wells Fargo reversed these provisional credits, driving my account into a negative balance and significantly impacting my financial stability. My phone and wallet were stolen from me, and as a result, unauthorized transactions were made, stealing funds from my account. 

To substantiate my claim, I submitted a police report detailing the fraud. Despite this, the provisional credits were still revoked, resulting in extreme financial distress as I face pressing bills and essential expenses. 

Moreover, I am deeply troubled by false accusations made in your written communication, claiming that Wells Fargo attempted to contact me and that I failed to respond. This is unequivocally incorrect. I am adamant that no such attempts were made, and it is unjust to base such a critical decision on inaccuracies. 

Given the tangible evidence I have provided and the distress caused by this situation, I urge Wells Fargo to reconsider its stance and restore the disputed amount of {$2100.00} to my account. Swift resolution of this issue is not only a matter of financial necessity but also one of ethical responsibility.

I trust that Wells Fargo will act promptly and justly in this matter, upholding the commitment to customer protection and trust. I look forward to a timely and favorable resolution. 


I will be uploading all supporting documents to prove my claim against the fraudulent transactions on my Wells Fargo account. This will be accessible for everyone to review and to ensure transparency and verification of my case. 


Only after filing my first complaint with the CFPB did someone from Wells Fargo attempt to contact me about my case on XX/XX/XXXX. However, they are now unresponsive and not answering my follow-up communications. I have left XXXX voice mails and called numerous times i have also attached that in my documents
Product: Credit reporting or other personal consumer reports

Looked at credit report and seen fraudulent accounts. Please delete because they are affecting my ability to live healthy lifestyle.
Product: Debt collection

I deputed this account over twelve time and the agency is not trying to removed it. It false information being show to my credit report. Under 15 U.S.C. 1681i : I should not have to keep wirting a complaint on this agency to remove report they have no valid information on.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, TRUISTAUTO Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX  XXXX Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : XXXX : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 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 Equifax 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
Product: Mortgage

XX/XX/2009 XXXX XXXX FILED A FRAUDULENT FORECLOSURE COMPLAINT I HAVE NEVER HAD A LOAN WITH XXXX XXXX ... XXXX 

SEE ENCLOSED DOCUMENTS FOR DETAILS AND EXAMPLES AND OR EXHIBIT
Product: Credit reporting

I have had a membership with XXXX for years, I get my XXXX in XXXX credit report every 6 months and when I got it this time I did a little research to see why my credit score was different on all XXXX reports. Looking at the report I see XXXX reports wrong information from XXXX and XXXX, they have over XXXX accounts open when they are closed. I call XXXX and told them what was wrong and sent the IT department a screen shot of my credit report at XXXX ( which is correct ). It has been over 3 months and it is still not fixed. XXXX say it is a system issues but how can they be in the business of reporting credit and do n't have it right? I called XXXX every other day and they just hung up on me or say it is a IT issues. 

Another issue, Green Tree which is now Ditech Financial LLC. I had a mortgage loan from XXXX of XXXX to XXXX which is 20 years and I paid my mortgage on time for 20 years and my last year when I got down to {$8600.00} I settle with them for {$6700.00}. This was a interest barring loan and they had made {$100000.00} off of {$29000.00} loan. They reported to my credit report that I settle for less then the balance and put a flag on my report to stay on 7 years. I have been calling the company which I get no call back but I am asking if a company settle with me and it is less than {$2000.00} and been paying for 20 years why would they hurt my credit like this? I was never late paying them for 20 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX marked me late on my lease on XXXX, XXXX and XXXX of XXXX. From the date my lease was taken out, I made {$300.00} weekly payments every single week. I never missed a payment. When covid hit, we lost our jobs and used the advanced payments to pay for our lease. We spoke to several representatives throughout XXXX to make sure we were current on our payments. We were advised several times we were good until XX/XX/XXXX. It wasn't until I checked my credit report to see that we were marked late. What is weird is that XXXX was paid on time but XXXX was late. I spoke to a sweet girl name XXXX who advised that this was their error and it would be removed off of my credit report. This has not been taken care of.
Product: Credit reporting, credit repair services, 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.

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below:

30 days late as of XX/XX/2015

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Debt collection

This company keeps calling my number and I AM not the person they are looking for. I have told them to remove mu number. I WAS called a lie and they left me a message and said, I hu on them but I did n't. They hang up on me every time I try to tell them they have the wrong number. I Spoke to a supervisor and he said, he removed my number, but I got a call today. They are so rude and I have told them and told them stop calling. They say their name is XXXX XXXX at XXXX. So how can I make this stop.
Product: Student loan

I have been contacting Sallie Mae and XXXX to try to determine who much I paid in total to my student loans before consolidating. They are only able to tell me the amount I paid towards my Dept of Education loans. They can not tell me the amount for the loans that were strictly Sallie Mae. I find this unacceptable and a testament to how fraudulent Sallie Mae and XXXX are as a company and student loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past 46 days I have sent two dispute letters in regards to several accounts that are not mine and need to be removed. After the first letter was received by the bureaus involved an investigation was completed by the bureau. Upon completion the accounts should have been removed. However I was notified that the accounts are in a resolved status and have not been removed. I then sent another letter asking again that the inaccuracy be resolved.
Product: Debt collection

I checked my credit report and saw I have a collections account from Bull City Financial Solutions. I sent this agency a letter on XX/XX/19 and again on XX/XX/19 asking they validate the debt. The agency has not replied to any of my letters but yet continue to report the account to the credit bureaus as negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with a fair credit reporting act [ XXXX XXXX # XXXX, XXXX XXXX XXXXXXXXXXXX BK OF AMER XXXX  XXXX ] has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy.

Under 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns in regards to Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My child support which is now closed has a collection status with Experian and no other reporting from either XXXX or XXXX. It's showing as current. In the comments of Experian 's reporting it reads, Current account/was a collection account, insurance claim or government claim or terminated for default. What does this mean? This is completely inaccurate information and must be deleted immediately. There is no Payment Status whatsoever as my child support is closed and there is no indication of collections ever existing on it. The letter sent from the XXXX Department of XXXX XXXX states, There are no past due payments outstanding. 

CHILD SUPPORT ENFORCEM : Account number : XXXX
Product: Credit reporting or other personal consumer reports

Report Number XXXX. The information was provided by the following reporting agencies : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

In XX/XX/2016 I submitted a balance transfer request through my Capital One online portal to pay off my XXXX XXXX XXXX in the amount of {$1600.00}. After a month or so I saw that Capital One added this debt to my account, but my XXXX XXXX XXXX never got paid off. After speaking to Capital One they confirmed the account number they sent the electronic check to, but it went to a XXXX account. I am not a XXXX accountholder nor do I have a XXXX so they sent it to the wrong bank. 

I have tried to resolve this issue with Capital One 's investigation team for over 2 years but they have essentially wiped their hands clean with it and have stated that because the check was cashed by XXXX there is not much else they can do for me. I have a copy of the check that Capital One sent to XXXX, I have copes of all my statements for my XXXX XXXX XXXX showing that there was never a payment of {$1600.00} reflected on the account, and documentation of the letters I sent to Capital One trying to get this resolved. In addition to this, I also have all the call logs of when I tried to rectify this situation with Capital One. I also have the employee IDs of the Capital One representatives who were on the calls. 

In essence I am now paying a double debt and the fact that Capital One has decided to not assist anymore leads me no choice but to try and find resolution in another way. As I can not afford a lawyer to help me with this, I am hoping through this portal I can gain some assistance as well as much needed resolution to a problem that began over 2 years ago.
Product: Debt collection

I have asked AFNI to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Prepaid card

Hello, Please help resolve. 
I received a pre-paid AMEX card as a gift for {$400.00} in XX/XX/XXXX, then activated and verified money was indeed on this card. 
I used the card without issue, then began experiencing issues on XX/XX/XXXX when it was rejected when trying to use it on-line or in a store, as a credit card or debit card. 

I have contacted the AMEX on the card XXXX for resolution, yet my card continues to be unable to access available funds for {$210.00}. 

Below is my timeline and current screen shot of the available balance. 
Thank you. 
- XX/XX/XXXX : Called to indicate my card had pending transactions I did not make and advised to wait so AMEX can resolve. 
- XX/XX/XXXX for status since card still getting declined. No resolution. 
- XX/XX/XXXX for status since card still getting declined. No resolution. Advised to wait. 
- XX/XX/XXXX. or status since card still getting declined. No resolution. Advised to wait. At this last interaction, XXXX cents was stated as pending and I needed to wait until this cleared before I can access my remaining $ XXXX available balance.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes 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 dispute accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Credit card

This event has occur back in XX/XX/2023, where capital one has closed my credit card since i lost it and someone used it, and I have reported to them that there were some fraud activity on my account and they decided to closed my account. I been with capital one for years and now I'm getting treated horrible! I still some points to be used but they still don't want me to use them? this situation is being unfair. and I want the world and others to be aware of how capital one is treating their customers.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 at XXXX I made an attempt to resolve a fraudulent transaction, the representative stated he could not provide proof that I would not be responsible for the fraudulent transaction in the form of a debt validation letter, I made it clear to him that since he's going to violate FTC Section 809, Refusal Of Validation Of Debt Letter, I will pay the disputed/Fraudulent amount of {$13.00} to avoide having a closed account with balance on it, and that Capital One can refund the {$13.00} & or {$13.00} back to my XXXX  Checking account ending in XXXX,, as of present time Capital One has violated FTC Section 807 by placing false information and or inaccurate information on my credit report, associated with the closed account account ending in XXXX,, that is closed and paid off.
Product: Money transfer, virtual currency, or money service

Submitted a Notice of Error for an unauthorized transfer and didn't receive a refund
Product: Checking or savings account

I receive a refund from XXXX and although XXXX has verified the transaction as refunded, cash app will not release it from pending status, and insist it is the problem for XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unverified Collection Account To Whom It XXXXay Concern, I am formally disputing the collection account [ Account Number ] reported by [ Collection Agency ] on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request proper validation of this debt. Despite my previous requests, the collector has failed to provide adequate proof of the debts legitimacy, ownership, and itemized accounting. 

Simply marking the account as " verified '' without furnishing concrete evidence does not meet the legal standard for verification. If the furnisher can not provide a signed contract, detailed account history, or proof of a lawful transfer of the debt, this account should be removed from my credit report immediately. 

Failure to comply with my request constitutes a violation of my consumer rights under the FCRA and could result in further legal action. I request a thorough investigation and prompt removal of this unverified account.
Product: Credit reporting or other personal consumer reports

My account with DPT EDXXXX, XXXX XXXX, XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. DPT EDXXXX, XXXX XXXX, XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports