23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

To whom it may concern : I opened a Wells Fargo Everyday Checking in XXXX 2016 online as there are no branches near where I live and my son ( an existing Wells Fargo customer ) told me that there was a promotion that Wells Fargo was running. Given that Wells Fargo is XXXX the strongest banks in the country, I thought it was a good opportunity to open an account and start a relationship in case I needed future products like credit cards or mortgages as well. 
I subsequently received my account number, debit card and debit card PIN in the mail. I returned the required signature card after I signed it as well. 
However, there is a fraud alert on my account which I discovered after I could not sign up for online banking successfully. When I called into the fraud department on XXXX XXXX, 2016, I was not given any help that was even remotely useful. I was told that I have to go to a branch with XXXX forms of ID. I do n't live near a branch ( the closest branch is about XXXX miles away ). 
Attached are my driver 's license and passport to verify my identity. 
Finally the bottom line is that if you are n't going to be helpful and clear the fraud alert and allow me to set up online access to my account, then just close my account and return the {$50.00} that I funded the account with as soon as possible. I had such a poor experience talking to your fraud department that I have no interest in calling in to speak to anyone at Wells Fargo. Otherwise you are illegally holding my money. Also, you should stop wasting people 's time if you are going to put fraud alerts on their accounts without giving them a proper ability to clear them. Do n't bother letting people open up the accounts online then if they do n't live near a branch if that is how you are going to do your fraud alerts. That is very easy for you to set up and would have saved both you and me all this trouble. 

Sincerely,
Product: Mortgage

In XXXX, I contacted ditech regarding my home mortgage loan, on advice of my bankruptcy attorney. I spoke with customer service at length, explaining my desire to pay three monthly payments in advance, for the months of XXXX, XXXX, and XXXX, and to not have payments all consolidated toward principal on my loan. In addition, I instructed the customer service agent that ditech was no longer allowed to auto-draft payments from my account. The agent confirmed this to me twice, then processed three payments for the monthly amount of the loan - {$1000.00}. 

In XXXX, after I filed bankruptcy, I learned that ditech auto-drafted {$970.00} from my personal bank account, putting me in a hardship during the holidays. I immediately contacted ditech. I spent nearly three hours on hold and was eventually told, after repeatedly raising my voice at the agent in order to get the matter handled, that the auto-draft was improper and the money would be returned. The agent obtained a checking account and routing number and told me the money would be returned. The agent 's name was XXXX. That call took place approximately XX/XX/XXXX. 

In early XXXX, I again called ditech because the money had not been returned to my account. After holding for nearly 40 minutes, as I recall, a customer service agent came on the phone, said they were aware of the need to repay the {$970.00}, and that the repayment is approved, but is awaiting a supervisor 's signature. That phone call took place approximately XX/XX/XXXX. 

Today, XX/XX/XXXX, the money has still not been returned. I have called ditech on two different phone lines. At this moment, I have been on hold on one line for 1 hour and 40 minutes and for 1 hour and 7 minutes on the other. I have requested the legal department, or customer service to help. In addition, I learned today that ditech has transferred my loan to another lender. Regardless, ditech has had ample time to resolve this. I believe this practice is systematic and designed to not be accountable to customers, and to benefit from errors by ditech. 

As I am completing this complaint, the 1 hour, 40 minute call has now rolled over to a survey, and the call hung up. I would like action to be taken against ditech, and I want my money returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

The delinquency listed on my Experian credit card is incorrect for XXXX credit. the delinquency is incorrect. The delinquency listed states that it was 150 days delinquent as of XX/XX/2020 and this is incorrect. Any balance owed on this account was paid in full and was not delinquent. I have reported this numerous times and have not been able to get this corrected. Because it is not reporting correctly, I am requesting that the delinquent pay status and pay history be permanently removed.
Product: Debt collection

I contacted the agency Armada Corporation, to settle the debt, they have listed as {$1300.00}, that they reported today. They said I would need {$3500.00}. To pay it off. Those are very different amounts. The debt is also almost at it 's 7 year statue of limitations so they tried to make me make a smaller payment so they can continue the collection proceedings. I am willing to settle the debt for the actual amount of {$1300.00}. But they are n't. I need help. I appreciate your time and consideration on this!
Product: Consumer Loan

It took out the money from my account early. And tried to take more money out on the due date. I took out a XXXX dollar loan and they want me to pay over a XXXX dollars. Then they have the nerve to call everyone that have come in contact with saying threatening message. They are scams!! I had to close my account because they kept trying to get money and I owed the back for overdraft fees
Product: Credit card or prepaid card

On XX/XX/2018, I submitted a payment of {$25.00} in the system of PayPal extra MasterCard, paypal extra tried to extract {$670.00} ( NOT {$25.00} ) my bank declined the transaction, now they want to charge me {$25.00} late payment and consequently damage my credit history. 

It is important to mention that extra PayPal and PayPal are two completely different banks
Product: Credit reporting or other personal consumer reports

Dear Debt Collector 's, I am writing to formally dispute the medical debt you have contacted me about and demand immediate validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). I am aware of my rights, and I intend to exercise them fully.

You are required by law to provide the following information : 1. The name and address of the original creditor. 
2. The exact amount of the debt, including any interest or fees that may have been added. 
3. A detailed, itemized statement of the medical services provided, including dates of service and any payments made. 
4. Copies of any documents that substantiate this debt and prove that I am legally obligated to pay it.

5. Evidence that you are licensed to collect debts in my state.

Furthermore, I demand that you cease all collection activities and communications until this debt has been fully validated. Under no circumstances should you report this alleged debt to any credit reporting agencies until you provide the requested documentation.

Additionally, I would like to point out that I have not received a Form 1099-C related to this account, which is mandatory for reporting canceled debt. Its absence raises serious questions about the legitimacy of this claim. 

If you fail to provide the requested information or if you continue to pursue this matter without validation, I will not hesitate to escalate this issue with the appropriate regulatory authorities and consider legal action to protect my rights. 

I expect your prompt attention to this matter and look forward to your swift compliance. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX  about a repo that happened that they keep calling me about after i asked to stop because they lied about the balance
Product: Credit reporting

There are inquiries that should be deleted off my Equifax credit report over XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the TransUnion app that allows consumers to place freezes on their credit file when the are not needing to apply for credit. I recently applied for credit and it says that transunion can't determine if there is a freeze on my account or not. It provides a toll free to call. I have called the number several times and when trying to use the toll free line to remove the freeze it says there is no freeze on my credit file. When I speak to a representative they a telling me that my account is being handled by a specialized fraud prevention team or department and they are the only ones that can access my file. This department they're telling me is not operational at the time. This is putting an undue hardship on my the consumer. The company I am applying for credit with using Transunion services and will not extend me credit or allow me to open an account until they receive my report from Transunion. I have never contacted by transunion giving me any indication that there is suspected fraud on my file. Furthermore, I have recently pulled my report and they have my name address, email address and phone number and all is corrected. If they suspected fraud on my account why has no one contacted me. I have also pulled my report and the information is correct with the exception of a few late payments which I plan to dispute. I need this resolved as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realized that lately every time I apply to open a Checking Account I get a letter DECLINED, and the reason they refer me is " due to negative information on your ChexSystem Report ''. 

So I ordered a report and I indeed did see that 90 % of Information is wrong, in particular a XXXX XXXX checking account which is reporting from XX/XX/2019 as a charge-off. 

I tried several times Disputing it with ChexSystem by sending them Dispute Letters and they never responded. Until they responded with a letter today saying that they verified with XXXX XXXX  that the account does belong to me. 


I believe there's no need for me to even go into details about all my phone calls with XXXX XXXX  and so on. THE BEST EVIDENCE THAT IT IS IMPOSIBLE FOR THIS ACCOUNT TO BE MINE IS TO SIMPLY GO TO XXXX XXXX  'S WEBSITE AND CLICK 'APPLY FOR CHECKING ACCOUNT ' the first question they will ask you is your zip code, and after I enter my Zip Code which is XXXX ( and ChexSystem also agrees my zip code is XXXX ) a message comes up from XXXX Bank XXXX WE DO NOT OFFER ANY PRODUCTS in your area. 

I will be attaching a screenshot from XXXX Bank showing this message hoping up if/when I try to Apply or Open a Checking Account. 
I will also attach my ChexSystem report, whereas you can see on the first page my ChexSystem R
eport Number, and you'll see the Negative Account which they are wrongfully reporting on it.
Product: Credit reporting or other personal consumer reports

XXXX  XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX  Account Number : XXXX added a derogatory mark on my credit report per TransUnion. Upon further research, this account was transferred/sold and I am no longer responsible for the account. debtor creditor did not verify this collection also there was no written forms of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mine. according to the FCRA XXXX XXXX Bankruptcy Case Number : XXXX, XXXX  XXXX Bankruptcy Case Number : XXXXXXXX XXXX Account Number : XXXX, XXXX Account Number XXXX XXXX, XXXX Account Number : XXXX has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit reporting

I subscribe to a credit monitoring agency XXXX I was alerted that a credit bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX has flagged my account as collections. I do not owe any amounts or bills that are past due and recently had a credit score of XXXX and XXXX. I contacted the company XXXX and asked why this is on my report. i was told the information was erroneous reported and however they can not remove it form my report at this time. I asked them for a letter stating the information error but they refused to help in any way and told me they would not put anything in writing. the employee XXXX XXXX on XXXX/XXXX/2016 said she felt it would not hurt me but i have nothing in writing showing it was an error and their mistake. I also contacted the manager XXXX XXXX on XXXX/XXXX/2016 and he agreed it would be removed. I believe this company has done detrimental damage to my credit report for no reason at all due to their mistake and erroneously reporting.
Product: Debt collection

Cedar XXXX has committed a myriad of violations of FDCPA regulations. 
Cedar  XXXX first contacted me on XX/XX/XXXX regarding a purported balance at XXXX University. I had not been contacted regarding this balance until that point. I responded as such to Cedar 's representative on XX/XX/XXXX informing them that I had not received notice of this balance and asking for the amount purportedly owed. 
Cedar responded on XX/XX/XXXX that the outstanding balance was {$1200.00}. This is well beyond the 5-day requirement under the FDCPA. Furthermore, the FDCPA specifically requires a debt validation notice be provided within that time period ( 5 days ). As of XX/XX/XXXX, this still has not occurred. 
On first contact and within the first 30 days of outreach, Cedar did not inform me of my right to dispute the debt or my right to request detailed information regarding the debt such as a debt validation letter. In fact, Cedar has never done either of those two things. They also did not make me aware that they had purchased that debt from XXXX University or that they had legal right to pursue said debt. Concealment of this information, as well as their aforementioned duties under the FDCPA regulations, delayed discovery of these violations. 
To provide some background, I am an international student who attended XXXX University 's XXXX school in Fall of XXXX. At the end of the fall term, I withdrew from the university and no longer lived there afterwards. I never entered into a loan agreement of any kind with XXXX University and the entirety of my fees, tuition, room and board, etc. were paid through cash/e-check. 
On XX/XX/XXXX, I requested complete documentation regarding the exact amounts owed and for what purpose. On XX/XX/XXXX Cedar responded that they would produce an invoice, still not informing me of any of my rights to dispute said debt, clearly with the intent that the 30-day period would lapse. 
Eventually on XX/XX/XXXX, a statement of account was provided, but with limited and statutorily incomplete information. 

However, to date, no documentation regarding the purported liability for that balance beyond a simple account invoice was provided, no " loan '' contract or similar. No debt validation letter or similar disclosures were provided. During the time between XX/XX/XXXX and XX/XX/XXXX, when they had not provided any documentation to prove the debt, Cedar continued to attempt to make contact via phone. To avoid he-said, she said, I communicated with them exclusively via email. 

The repeated calls, emails, collection posting on credit, have caused significant emotional distress. It's so regular that it is obviously being done with the intent to annoy. The behavior of Cedar XXXX is at best unethical and as shown through attached documentation, in violation of prevailing statutes. 

We have attached documentation of communication with Cedar ( we've recent examples of their regular automated outreach for the sake of brevity ), screen shots some recent of incessant calls, and the documentation they've provided for review.
Product: Checking or savings account

On Saturday XX/XX/year>, I deposited my first paycheck from my new place of employment into my newly opened Chase XXXX XXXX in the amount of {$10000.00}. The money included expenses I had covered and was being reimbursed for XXXX XXXX across the country ( XXXX XXXX XXXX  ). The representative said that the funds would not be available for approximately XXXX days. He explained that I could call a number to take the hold of the check. I did so, but it was related that I should call back on the first business day which would be Monday XX/XX/year>, which I did. I was then told that I should check back the next day because the funds were pending. Allegedly, XXXX 's XXXX, the bank my employee transacts with, had not released the funds. Checking back today, they then said the money would not be available till XX/XX/year>. After reviewing the Code of Federal Regulation, Title 12, I called Chase back and asked them to contact XXXX XXXX  XXXX saying to at least pay a portion of the money as waiting XXXX days, past the weekend, places me in a financial hardship situation. The code seems to state a hold of XXXX days is required, with an extra XXXX day if deemed necessary. The representative said the banks are under federal regulation, allowing them to hold the funds, and since XXXXXXXX XXXX XXXXXXXX had the funds, there was nothing they could do. I spoke with a lawyer and emailed my payroll department. The lawyer said that it was an exorbitant amount of time to hold the funds of a big company for paycheck, and that I should write the company. Which I did. Chase responded with the same sort of thing. I then received an email from my payroll department stating that the paycheck had already posted the day prior ( XX/XX/year> ) and that I should contact Chase immediately to resolve the issue. I've sent emails to Chase asking for XXXXXXXX XXXX XXXXXXXX contact information and they have not provided it to me. Chase is still holding the money from my paycheck as of XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX  XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I walked into a Bank of America branch to do an XXXX wire transfer to purchase a vehicle in XXXX. The amount was for {$230000.00}. I handed the Bank of America associate the wire transfer instructions received by me from the dealership in XXXX. The Bank of America associate erroneously did a domestic transfer and not an international wire transfer. Therefore my money is being held at an intermediary bank, XXXX XXXX awaiting a reversal of the wire. I have attempted to contact Bank of America on several occasions wasting hours of my time and Ive not gotten any answers. I was told to wait that they had sent a secure message to XXXX XXXX and they are awaiting a response for reversal of the wire. I was told to wait XXXX hours for response. It has been way past that amount of time. When I call to ask for a supervisor after I am on Hold for XXXX minutes I am told the supervisor is not available for XXXX to XXXX hours an will receive a call back. The error lies with Bank of America as they errounusly performed an incorrect wire transfer resulting in damages suffered by me. Money needs to be reversed immediately all transfer fees paid as my money is insured up to {$250000.00} by FDIC. Please help me with this as I am getting nowhere by calling Bank of America other than wasting my time!
Product: Checking or savings account

On XX/XX/XXXX amounts were taken from my Cashapp account when I locked the card. I later found out that it showed that XXXX was an authorized debtor. The amounts were XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I contacted Cashapp around XXXX on XX/XX/XXXX to let them know there were charges made to my account and I was not sure what was going on. They said they needed to investigate. I let them know I locked my card because my mortgage payment was set to come out of the account. I even contacted google.com to find out where my funds were going because I own an XXXX so I don't use the XXXX play store. I was willing to accept it could possibly be my children. Then on XX/XX/XXXX I received an alert that money was being drafted out of my account : XXXX, XXXX, XXXX, XXXX. I quickly got on the phone with Cashapp. I was on the phone with a representative as he could see money being withdrawn. I was begging for his help because I didn't know what to do to make it stop. I withdrew my money from Cashapp into my XXXX account. It started to draft from my XXXX account. They disconnected the accounts and I was able to get a temporary refund from XXXX. I contacted XXXX XXXX  and Cashapp both of them said I authorized the payments even though I told them I think I was scammed. I requested to know where the purchases were made online or to what account they went to and they told me they could no longer help me. I have tried to talk to people and I am blocked. I tried everything I knew to do. Please help me.