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

Dear Wells Fargo Executive, I am writing to express my disappointment with the bank 's handling of an unauthorized XXXX transaction that occurred on my account. Despite my repeated requests for a refund, the bank has refused to comply, citing federal law. However, I believe that I am entitled to a refund under the Electronic Fund Transfer Act ( EFTA ) and Regulation E, and I am willing to pursue legal action if necessary. As you may be aware, the EFTA and Regulation E provide certain protections for consumers who are victims of unauthorized electronic fund transfers, including XXXX transactions. Under these laws, consumers have the right to dispute and seek a refund for any unauthorized transactions that occur on their accounts, as long as they notify their bank within a certain timeframe. In my case, I discovered an unauthorized XXXX transaction on my account on [ date ], and immediately contacted Wells Fargo to report it. I provided the bank with all of the necessary information, including the date, time, and amount of the transaction, as well as the name of the recipient. Despite this, the bank has refused to refund the transaction, claiming that I am not entitled to one under federal law. However, I strongly believe that I am entitled to a refund under the EFTA and Regulation E. These laws require banks to investigate any disputed transactions and respond to the consumer within a certain timeframe. Banks must investigate and respond to the consumer within 10 business days. The investigator told me that my online banking account has been logged in from 1 ) Texas 2 ) XXXX XXXX 3 ) XXXX. There was clearly suspicious activity going on with my account and I have been careful with my account. Furthermore, the EFTA and Regulation E provide that a bank may only deny a refund if it can demonstrate that the consumer authorized the transaction or was grossly negligent in safeguarding their account information. In my case, there is no evidence to suggest that I authorized the transaction or was negligent in safeguarding my account information. Therefore, I must insist that Wells Fargo reconsider its position and refund the unauthorized XXXX transaction that occurred on my account. I am willing to pursue legal action if necessary to ensure that my rights are protected. However, I hope that we can resolve this matter amicably and without the need for legal action. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

Rep indicated that Medical Debt was not allowed to waive any additional amount due to being a policy of the account holder and not their policy. This is a false statement as they are able to accept discretionary compromises and this was confirmed in a follow up conversation later that day. They even submitted a compromise request for review.
Product: Prepaid card

I went to go take money off of my son 's XXXX card to pay the mortgage ( it's a direct express card ) I went to the ATM and it said insufficient funds, so I tried it again and the same thing. So I went to the car and called my card to see if the money was put on there and they did. Then I called and checked the transaction history and when I heard the charges I immediately hung up and called to dispute the charges. The charges are on XXXX XXXX XXXX XXXX  in the amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The second charge is the exact same as the XXXX except it XXXX. one minute later. The next charge is XXXX XXXXXXXX. in the amount of XXXX at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im confused on how anyone obtained this information as I only use the card at the end of the month or the XXXX  of the month at an approved ATM. I don't use it at stores or online and I don't keep ANY cards stored in my phone. I've already filed a police report with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been approved for the forbearance under care act due to the impacted of covid 19 financial hardship, the approval is for the length from XX/XX/XXXX to XX/XX/XXXX, and I made payment for the month of XXXX and XX/XX/XXXX, However I have reviewed my credit report and noticed that Loancare has reported to credit bureau that I was late for more than 90 days for the months that I was approved for the forbearance and 30 days late for the month of XXXX and XXXX, I have filed a dispute However Loancare has not made any correction, this error has cost my credit score decrease so many points, please help since I can not contact Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update and correct these immediately : 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 XXXXXXXX
Product: Checking or savings account

Someone gained access to my mobile account and cashed checks and I was held responsible for these actions and they knew that there was a problem. They called me and told me that there was a breach in the security and they let this happen. Then they made me pay for it XXXX dollars worth and then have closed all my accounts and kept the remaining money in the accounts for two months now and there is no end in site
Product: Debt collection

XXXX, XXXX. I am requesting that you allow me to validate the alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization. 
Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against Equifax for Identity Theft Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Equifax regarding the wrong name in their records. My legal names are XXXX XXXX. XXXX and XXXX XXXX XXXX ; however, Equifax has been using a name that I do not use on official documents. 

I have previously filed disputes with XXXX and XXXX, and I did not encounter any issues with either of these credit reporting agencies. Both have my name correctly listed as it appears on my driver 's license, which I will attach once again for your review. 

I believe that Equifax has violated my rights under identity theft laws. Identity theft occurs when someone uses personal or financial information without permission, and in this case, my name has been misrepresented in Equifax 's records. 

I am requesting your assistance in correcting this matter for the fifth time. I appreciate your attention to this serious issue and look forward to your prompt response. 

Thank you for your help. 

Sincerely,
Product: Credit card

I received a letter dated XXXX/XXXX/15 stating that my credit card with best buy would not renew. They then closed the available credit limit that was available o the card. They stated that my score was too low. On XXXX/XXXX/15, I then went online to pay on the card as I do every month, manually. I found that the company had already paid on my account for XXXX 2015. After looking further into the matter, I found that they had set my account up for recurring payments without my consent. I called the number as listed on the recurring payment made for the month and spoke with XXXX staff ID # XXXX who stated that I called back in XXXX and set up recurring payments. I then told him that I did not. I asked him why they had not been taking the payments if I called and set up recurring payments in XXXX. I further asked him why was I able to make payments manually every on the account if recurring payments had been set up since XXXX. I voiced my concerns about they could have messed up my checking account by taking unauthorized payments from my XXXX account without my consent or knowledge. He apologized and removed the recurring payment feature from my account. I then asked for a confirmation email on this activity of the removal of the recurring payments to which he refused and gave me his staff ID as a reference. I feel violated by their unethical practices. First, they close my card which made my credit score go down and then they took money from my checking account without my consent or knowledge.
Product: Debt collection

Diversified Consultants bought an account from XXXX that was closed almost a year ago. They are claiming there was an " implied contract '' that would auto renew without my knowledge or permission. I have this recorded from the conversation with their agent. I moved and I had XXXX XXXX service but my contract was already up. XXXX XXXX didn't work in my new area. We tried to make it work and never had a good signal. XXXX XXXX refused to give me a return address to send back the equipment and it took me months to track down someone ( third party ), to figure out how to send back the equipment from my original expired contract. I got it returned and got a confirmation. When Diversified Consultants called, they didn't listen at all and demanded that I pay over 700 dollars including non return of equipment. I told them the equipment was returned on XX/XX/2018 and we were talking on XX/XX/2018. I then emailed them a copy of the returned equipment confirmation from the XXXX store on the XXXX account that is for XXXX, ( this was also done on the XXXX of XXXX ). I requested proof of debt which, according to the FDCPA is not merely a bill and I explained that to the Diversified rep. I received a letter on XX/XX/2018 with a copy of a bill and a demand letter showing non return of equipment even though the email with the proof of the return was sent more than a week prior to this letter. Also, it is a bill, there is no proof or breakdown of the debt it just shows " previous balance '', I have no way of knowing what this is and it is not proof at all. This was already conveyed over the phone to them. They also contacted my wife, who was never on the original account and whose phone number was never on the account and this is a clear violation of privacy.
Product: Debt collection

Is regarding account # XXXX, which you claim Such as I owe {$70.00}. they put negative marks on my credit reports. Without verification of my signature.
Product: Debt collection

I used to have XXXX. I canceled them once I switched over to XXXX. Everything went smoothly, or so I thought. Months later I got a notice from XXXX that I owed over {XXXX}, I called and spoke to XXXX, who then transferred me to XXXX or XXXX ( XXXX XXXX or XXXX ) about the situation. Turns out that when my XXXX  account was opened, they had a " special '' where you get XXXX free line when you open XXXX. So they opened the XXXX line on the account. This line was never used or activated with a phone because I had XXXX need for it ... and there is a record that that line was never used in over XXXX years that my account was open at XXXX. He let me know that this would be taken care of since I owed them no money, this was an error on their end for not closing down that line as well. 

Another couple of months later I got another letter from XXXX for the same thing, I called and spoke to another representative, a very nice lady, who went over the account and was able to verify that all the original information from my XXXX call was there written. She apologized for the inconvenience and said she would be contacting the original XXXX, XXXX or XXXX, to have this taken care of. I asked her to send me an email confirming this information but she said she couldn't, something about not being able to send external emails or such, but not to worry, it would be taken care of. 

Fast forward another month or so and I get a collection letter from Diversified a collections agency trying to collect over XXXX, a representative of theirs called me to collect the debt, I told her what was going on and that I was not paying anything because I owed no money, that they needed to contact XXXX to get the story straight. She was extremely rude and impolite, but said she'd be sending me a letter regarding the collection which I received a few weeks ago. 

I am at a loss at this point, I don't know what to do because I feel like I am being harassed for money I do not owe. I don't understand why it's so hard for people to do their job. This has brought so much stress in my life.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX  Balance : {$290.00} XXXX XXXX Balance : {$290.00} KXXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX XXXX Balance : {$50.00} XXXX XXXX Balance : {$930.00} XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX  Balance : {$290.00} XXXX XXXX  Balance : {$150.00} XXXX XXXX  Balance : {$930.00}
Product: Mortgage

I am following up on my complaint, which you have closed without actually addressing the issue. The property address for the insurance has been updated as per your request, yet you still have not properly applied the insurance coverage. This level of incompetence is unacceptable. 

You removed the insurance, denied my request for escrow removal, and now refuse to take corrective action. What exactly do you want? Are you intentionally creating a scenario where my property becomes at risk due to a lack of insurance, despite my repeated efforts to provide the necessary documentation? 

Furthermore, I have escalated this matter to the CFPB multiple times, yet you continue to ignore regulatory inquiries, claiming they have no jurisdiction over you. This blatant disregard for compliance and consumer protection is concerning. 

Attached is the updated insurance documentationagainsince you have failed to process it properly. I expect immediate confirmation that this has been resolved. Please address this matter without further delay.
Product: Credit card

Capital One credit card is refusing to assist dispute my claim for being overcharged. 
I was overcharged by XXXX rental car the amount of {$930.00} on the Capital One credit card on XX/XX/year>. 
I contacted Capital One and they opened XXXX XXXX : XXXX on XX/XX/year>. 
I provided documents to Capital One showing that my rental car agreement was for the amount of {$740.00} and I was charged the amount of {$1600.00} instead. 
On XX/XX/XXXX, Capital One credited my account for the amount of {$930.00}. They reverse the credit by recharging the same amount of {$930.00} on XX/XX/XXXX without doing any investigation with the merchant. Capital One sent me letters stating that they are unable to assist with the claim and " If you still want to dispute the charge, please contact the merchant and work directly with them ''. 
I also called them on the phone and spoke with one of their suppervisers and received the same response declining their support with the dispute Case Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the following accounts have violated my rights by posting my personal matters in public for everyone to observe 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15 USC 1681 section 602 States I have the right to privacy * 15 USC 1681 section 604 A section 2 it states that a consumer reporting agency can not furnish a account without my written consent instructions which I have not done so *15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose These companies along with Credit Bureau have knowingly violated my rights and I will be force to take legal action if this continues
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed accounts that are inaccurate and incomplete on my credit report with the XXXX, XXXX, and Equifax. I began disputing the duplicate accounts and inaccurate accounts in XXXX of 2023 seeking for the accounts to be removed due to inaccurate information. It is now XXXX and the credit bureaus and creditors have failed to remove the inaccurate accounts from my credit reports. The duplicate accounts are in the amount of {$52000.00} and {$9000.00}. The creditors have reviewed the accounts and still reporting to the credit bureaus that the account in reporting under accurate information under the Fair Credit Reporting Act which is false. I have included documentation. XXXX reported the accounts as charged off on XX/XX/2023. On XX/XX/2023 XXXX proceeded to report an already charged off account as 120 days past due, again, drastically affecting my credit and daily life. This is uncceptable and XXXX fails to comply with the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2020. 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: Credit reporting, credit repair services, or other personal consumer reports

I'm not late on these accounts. I want this late payment deleted from my accounts within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXXXXXX XXXX XXXX. Please update.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2022 I submitted a dispute to TransUnion about incorrect information on my credit report. Instead of processing my dispute as ordered by the FCRA, they threw my dispute away. They sent me a letter stating that it looked like a third party or credit repair company sent it. SO WHAT!!!! It is NOT illegal to have someone assist you are fighting the credit agencies and errors they report. It is NOT illegal to hire a credit repair company. They needed to process the dispute I sent in, I'm sure they see it was mailed from my zip code!!!
Product: Vehicle loan or lease

On XX/XX/2022. I purchased a new vehicle through XXXX XXXX XXXX XXXX. As part of this sales transaction, I took out a new auto loan with Truist Bank. The loan application, qualification, and sales transaction was all handled together by XXXX XXXX XXXX XXXX. It was verified at at the time of the sales transaction and has been verified since then that information and documents were completed correctly. Once the loan account was set up and I was able to log into online banking to pay more loan, it came to my attention that Truist bank had erroneously set up two separate loan accounts for the same car. There should only be one loan account. Both loan accounts are for the exact same amount and for the single vehicle. The bank has confirmed that this is the case. However- they have been very difficult to work with to resolve this issue and cancel the duplicate loan account and thus far has forced me to pay for both accounts, when I should only have one loan. The dealership has gotten involved and is trying to assist as well - but the bank is uncooperative. The XXXX Notice contact information on the sales contract for the bank, when dialed - nobody answers. It just keeps ringing and then hangs up. I've called their loan services number XXXX times in the last XXXX days - and nobody has been able to help me. The average call has been XXXX to an hour and then they hang up on me while I am on hold. They are unable to get me to the right person to address this issue ( or unwilling ). 

I'd like to file a complaint and also ask for assistance in helping to resolve this issue.
Product: Credit card

I applied for a credit card on XX/XX/XXXX and was declined. I received a email notice that the letter explaining why the card was declined was available through a secure link. After logging in to view the letter, it only brought up a letter from XX/XX/XXXX. This was the XXXX time this incident happened. I called to find out why I could not see the letter, only to be told they did not know. I was told I would receive a letter in the mail and have not received it. I applied again on XX/XX/XXXX and was declined and receive the same email again with the secure link on XXXX XXXX, only again to only show an old decline letter from XX/XX/XXXX. I verified my address and was told a letter would be mailed. I have not received any decline letters for the last XXXX attempts starting in XXXX. I would like to know why I am decline so I what I need to do to better my credit status, but Capital One refuses to send me a decline letter via mail, and the onle secure portal does not show my letter. The supervisors only tell me that they will send out the letter again. I need help. Someone please help me get the decline letters from Capital one so I can know why I am declined. The Application or Reference number to the XXXX application is XXXX. I need help.