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

On XX/XX/XXXX, my original Wells Fargo card number was stolen, and I immediately locked the card and reported the theft to Wells Fargo. The morning of XX/XX/XXXX, I received an email notification that my replacement card was charged for {$34.00} at XXXX in Pennsylvania. The replacement card was still being shipped and I had yet to receive it. I also live in Alabama, so I did not make this purchase or authorize anyone to use my card. I immediately contacted Wells Fargo and was informed that the thief had added my original card to their XXXX XXXX XXXX and when I ordered the replacement card, it was automatically added to their XXXX XXXX as well. So Wells Fargo cancelled that replacement card being shipped to me and ordered me a new replacement card and reassured me that the XXXX transaction would be refunded back to my account in several business days via a dispute. I still ended up receiving the original replacement card in the mail 2 days after even though it had to be canceled before it ever arrived, so it was unusable. 

After several days, Wells Fargo informed me that the dispute to refund the {$34.00} was denied and will not be refunded back to me despite my reporting the theft promptly and taking the necessary steps to secure my account after the unauthorized transaction. This situation is frustrating, and I am requesting a refund of the {$34.00} as it was a fraudulent charge. Additionally, I would like clarification on why the transaction was allowed to go through when my card was locked and the replacement was canceled before arrival. 

Because of this, I have been without a usable card for over two weeks, and I am seeking a resolution to ensure that Wells Fargos fraud protection policy is properly enforced and I get my money back.
Product: Debt collection

LVN FUNDING at C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX has been sending me collection notices in the amount of {$680.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. The date of the last activity is different on every bureau report, the collection account is being reported as an open account, and XXXX is still reporting positive payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a good samaritan in reporting XXXX to the CFPB three times so far ( numbers XXXX, XXXX, and XXXX ). The most recent one was deemed a duplicate, though that was far from the caseevery complaint had a new batch of red flags, as does this one you're about to read ( so please do not label this one as a duplicateit 's not ). 

My main bank XXXX XXXX ran an investigation and concluded that XXXX 's activity was illegitimate, subsequently issuing a stop payment from XXXX on XX/XX/2022 revoking authorization for recurring withdrawal ( see page XXXX of attached PDF ). 

XXXX still managed to take {$970.00} out of my bank account on XX/XX/2022 ( see page XXXX ). The only explanation for this is that XXXX must have hacked into my XXXX XXXX account in order to override the stop payment. If they've successfully hacked my account, this induces the fear that they may withdraw all of the money from said checking account, causing me to go broke. The company must be stopped and the people responsible for this need to be identified and arrested. 

XXXX XXXX 's investigation department deemed that this {$970.00} was not authorized ( see page XXXX ). They did their part and reversed the {$970.00}, also notifying that they will make efforts to insure the rigidity of the stop payment. 

I tried logging into my XXXX account to check on information, only to receive the message " Your account information is not available online. Please contact Customer Service at the phone number provided on the back of your card or statement. '' ( See page XXXX. ) It's not surprising that they don't want me to be able to access data that could incriminate them. Such as the instance addressed in complaint # XXXX where XXXX said in writing that they cancelled Card Security on XX/XX/2022 then charged Card Security nonetheless on XX/XX/2022 ( fortunately this instance I still have documentation saved ). 

One last red flag : After XXXX 's invalid charges caused my credit score to drop, XXXX and TransUnion have both deleted those charges and brought the score back up. ( XXXX is currently in the process of looking over the information, and is destined to do the same upon reviewing the facts. ) XXXX XXXX, XXXX, TransUnion, and the countless negative reviews on numerous websites ( links given in complaint # XXXX ) are all in the wrong and XXXX is in the right? Extraordinarily unlikely. This demands thorough investigation and action.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX Direct/Email : XXXX XX/XX/year> XXXX REQUEST/ CEASE AND DESIST SENT VIA U.S. MAIL & EMAIL ( XXXX XXXX : Collection XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX, FL. XXXX RE : XXXX XXXX XXXX # XXXX Dear Sirs/Madam : I recently received a debt collection notice from your office. A copy is attached for your review. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this pursuant to 15 USC 1692g. Please supply me with a copy of all contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. I formally request the cancellation of the 1099-C debt issued by XXXX XXXX who later, purportedly transferred to XXXX XXXX XXXX XXXX This request is made in accordance with the relevant provisions of the Internal Revenue Code and applicable regulations. A copy of all charge-offs documentation including 1099-C forms.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, pursuant to 15 USC 1692c I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose : Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Lastly, please forward the requested information to the address listed above within ten ( 10 ) business days from the date of this letter. I would like you to confirm your company is not on the federal bad debt collector list. 

Thank you for your prompt attention to this matter. 

Kindly, XXXX XXXX XXXX By : ____________________________________ XXXX XXXX XXXX, XXXX, CC : CFPB
Product: Mortgage

I initiated a 10 year fixed XXXX. with BB & T. My act. was recently sold to Truist. For the final month of the loan Truist sent an incomprehensible statement with no payoff balance and inconsistencies all over. So you have to call them. I had an agent who couldn't communicate, couldn't understand what I needed, could only wander across some prepared flow sheet to give me answers to question I never asked. XXXX days later I tried again. Was told I had to request a " payoff statement '' which takes 7 days to arrive, which compromises my timely payment, and I was cautioned that the amount provided over the phone call was " not official '' until I get this payoff calculation 7 days from now via this letter, which would make it impossible to pay on time. Truist claims I can't just make my XXXX payment to the same entity and routing to which I have made every prior payment on this loan through the bill pay function of my credit union website. For this last payment specifically I was given special instructions : XXXX digit XXXX. and a XXXX act. numbers, new destination and new address where I was to send a check, along with a " mail code '' number -- XXXX -- whatever that is. Also, a " document cancellation fee '' was alluded to. Was this described in my mortgage with BB & T? A fee to make a last payment? What the XXXX? 3 hours spent on this so far and not at all sure the payment will meet Truist requirements.
Product: Debt collection

Account number XXXX Subject : Formal Dispute Regarding Negative Item and Violation of Federal Laws To Whom It May Concern, I am writing to formally dispute an inaccurate and unlawful negative item listed on my credit report. I believe this entry is not only incorrect but also reflects a violation of several federal consumer protection laws. Below, I outline the violations and request immediate action to investigate and rectify this matter. 

XXXX. Violation of 15 U.S.C. 1635 ( Right of Rescission ) : Under the Truth in Lending Act ( TILA ), I am entitled to specific disclosures and protections regarding financial obligations. This law provides a right to rescind certain transactions within a specific timeframe. The negative item on my report does not reflect that this right was properly honored or communicated. 


XXXX. Violation of 15 U.S.C. 1692g ( Validation of Debts ) : As per the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of any alleged debt. Despite my requests for verification, I have not received adequate proof that the negative item on my report is valid or accurate. This failure constitutes a violation of federal law. 


XXXX. Violation of 15 U.S.C. 1692c ( Communication Practices ) : The FDCPA also regulates the manner and timing of communications regarding debt. Any communication about the disputed item must comply with the prescribed standards, including restrictions on contacting me without consent or at inappropriate times. I believe these standards have not been adhered to. 


XXXX. Violation of 15 U.S.C. 1681e ( Compliance with Accurate Reporting ) : The Fair Credit Reporting Act ( FCRA ) mandates that credit bureaus maintain strict procedures to ensure the maximum possible accuracy of information reported. The presence of this negative item, which I have reason to believe is inaccurate or unverifiable, indicates a failure on your part to comply with these obligations. 



Requested Resolution : XXXX. I demand an immediate investigation into this matter and the removal of the disputed negative item from my credit report. 


XXXX. Please provide me with purchase agreement verifying the accuracy and legality of the information in question, as required by federal law. 


XXXX. Confirm in writing that the disputed item has been removed or corrected within 30 days of receiving this letter. 



Failure to address this matter adequately and in compliance with federal laws may result in further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing legal remedies.

Thank you for your prompt attention to this serious matter. Please acknowledge receipt of this letter and keep me informed of your actions regarding this dispute. 

Sincerely, XXXX XXXX
Product: Bank account or service

I recently ( on XX/XX/XXXX ) opened a new checking account with Bank of America ( " BofA '' ). I 've had a mortgage with them since XXXX and they offered an incentive of {$200.00} if a new account was opened and the mortgage paid with funds from it by XX/XX/XXXX. At the end of XXXX, I received 3 personal checks ( totaling {$4400.00} ) in connection with a new tenancy for a rental property. I deposited those checks into the BofA checking account on Monday, XX/XX/XXXX, and the receipt indicated that the funds would be available on 11/30/2016 at XXXX On XX/XX/XXXX when I noted that the funds remained on hold, I called then personally visited BofA where I opened the account ( no answer to 2 telephone calls ), and was told that the funds would be held until XX/XX/XXXX at XXXX. ( not sure of the hour, but I recall it was morning and not end of day ). There was a claim that this was " a new pattern '' with my account and there was no confirmation that the bank would pay the checks. At the time, I showed the BofA representative ( XXXX ) a screenshot showing that the 3 checks had been honored from my tenant 's account on XX/XX/XXXX and that there was more than ample money in the account to cover the checks ( 14,000+ ). My issue is that BofA not only had already been paid on the checks and was claiming there was some " risk '' to justify continuing to hold my funds, as well as claiming no relationship with me after having had a pristiine mortgage relationship with me since XX/XX/XXXX. I noted to the BofA representative that this kind of action on the part of big banks is why I will take steps in the future to move my money out of BofA and not do business with them in the future if I can help it. I believe their continued hold on MY MONEY is an unacceptable action, and I wish to notify CFPB and receive an appropriate remedy.
Product: Payday loan, title loan, or personal loan

Five unauthorized ACH transactions were made to my bank account on XX/XX/XXXXfrom this company. Two for XXXX and three for XXXX. I did owe the company for an overdue loan, but I believe taking money from my bank account without my prior knowledge is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house and I have been told that the loan would be removed after I paid it and it is still showing on my credit report. Account has been paid. The loan was done through Santander USA
Product: Credit card or prepaid card

In reference to my earlier complaint XXXX with Capital One, I have new supporting documentation of all accounts satisfied in full with Capital One.
Product: Credit card or prepaid card

For the past 10 months, I have been charged late fees. I have called the merchant, XXXX XXXX to complain that I have not received any statements. The only time I am aware that a payment is due is when I get a notice advising that the payment is past due. I immediately make payment and I am told that statements will be sent. However again, I am not receiving statements. I have tried to keep abreast of when payments are due, but sometimes I am told the payment is due on the XXXX and other times, I am told the XXXX. 
I spoke with a rep last month who waived one mon late fee and said she would submit a request for the remaining ate fees. However on XX/XX/2023, I was advised that XXXX XXXX would only waive one month. 
The amount as of XX/XX/2023 totals {$340.00}. I spoke with a supervisor who advised me that it is not their job to recommend sending statements via email and hence will not waive any additional fees. I advised her that I have been disputing these late fees for a while a now but continues to remain as part of my balance. 
The supervisor also would not entertain automatic payments from my bank account so that I am not dealing with late fees or missed payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I deposited a check into my XXXX XXXX checking account. The check was bad. I closed y account and paid it the next week when I got paid. It is still showing on XXXX XXXX under closure status it says not reported. It was reported on XX/XX/2015. I took care of it the following week and should have been closed. I called XXXX XXXX  last week when I tried to open my new checking and got denied. They emailed me a letter to take to my bank stating I did not owe them any money. I thought they would have this removed, but it is still showing on the report I received today.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX, I cosigned on an auto loan through XXXX XXXX XXXX XXXX. I was told that, all on time payments would be reported to XXXX, Experian and XXXX, and would appear on my credit report and the business credit report that was FALSE. XXXX XXXX XXXX XXXX has failed to report my current auto loan payment history as required and promised. I sent XXXX a letter on XX/XX/2023, in reference to this matter. XXXX failed to respond. 
On XX/XX/2023, I called XXXX customer service spoke with XXXX, explained that my monthly auto payments weren't being reported. XXXX stated he would file a dispute on my behalf, and someone would follow up. 
On XX/XX/2023, I received a call from XXXX account supervisor, XXXX XXXX. XXXX stated he was following up with the dispute filed by XXXX on my behalf about my payments not being reported. XXXX then stated, XXXX XXXX XXXX XXXX never furnish consumers personal or business auto loan payment history to the credit bureaus. 
On XX/XX/2023, I sent a certified letter to XXXX asking them to report my payment history to XXXX, XXXX, and Experian. 
On XX/XX/2023, XXXX sent me a letter stating, " FOR YOUR INFORMATION XXXX DOES NOT REPORT CREDIT INFORMATION ON BUSINESS ENTITIES TO THE CREDIT BUREAUS. WE ARE THUS UNABLE TO FULFILL YOUR REQUEST.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have a 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.
Product: Mortgage

Ocwen loans changed recently to phh When I first got this loan at closing they told me no penalties for early payoff and my loan had a cap of 9.99 %. I yearxafter getting my loan they informed me there is a penalty for payoff I opposed and complained. 
No action no answers nothing. 
Now today I get a letter saying that my interest now caps at 14 % This company is out of control. 
How can they change my terms after telling me in person what my terms are?
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding 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. My instance was XX/XX/XXXX of 2022 I was scammed out of a computer. By a man who first tried cashapp but cashapp denied the transaction then went through on zelle. 
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

I have sent correspondence to Diversified Adjustment Service regarding an supposed account with XXXX and they did not send the documentation I've requested. I asked the company to send me an EXCLUSIVE, Written and SIGNED contract between me, XXXX XXXX, and Diversified Adjustment Service stating repayment terms. They did not send me this documentation after several attempts. I sent correspondence onXX/XX/2019 and XX/XX/2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've identied inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have an old credit card that has been closed but i notice that they have a late pay on my report. I have asked them for the information to show me when i was late ( 1 late pay on one account and 2 on the other accounts ). I have not received the information i requested and i was on auto pay at the time so i'm wondering how i could be late. the accounts are since closed but i have always had good experiences with the company other then these lates. I would appreciate it if you could help me to get these removed, Thanks.
Product: Debt collection

I had a membership at XXXX and cancelled during the peak of the pandemic in XXXX XXXX after cancelling the membership XXXX from XXXX called me and said my membership was NOT cancelled and I needed to cancel in person. This was during COVID and XXXX was closed due to the pandemic. They would not allow me to cancel via email of phone call. Then XXXX called me again and said that they would be charging the membership fees monthly even though the gym was closed and that i was also accumulating fees due to non payment, I reminded him of the global pandemic and he didn't really seem to think this was an issue. I asked where do i need to go in person to resolve this? XXXX didn't have an answer and just said they were going to continue to charge me. So I called my bank and said do not allow XXXX to take any money from my account and they stopped all charges. I didn't receive any more phone calls and then received a letter from Aldous and Assoc. on XX/XX/2022 who have been calling and threatening me regarding my credit and saying they were going to ding my good credit. They also would get angry and then hang up on me. I think XXXX are criminals and Aldous and Assoc are their Thugs and have been insufferable. i have read on the XXXX  website i am not alone in this scheme of theirs to collect money during the pandemic My {$69.00} is now a {$1200.00} .... BIG Difference!!