23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Wells Fargo case numbers : XXXX, XXXX & XXXX Consumer Financial Protection Bureau, case number : XXXX The company keeps saying FALSELY that Wells Fargo is `` committed '' to helping/supporting its customers. However, they've done everything EXCEPT be committed OR help/support me. This is absolutely unacceptable.

Wells failed to completely respond to my complaint. I asked for one of two things : ( 1 ) {$1900.00} refund from Wells ; or ( 2 ) evidence I could use to file a DC OTR claim IF Wells can document they provided DC OTR my full {$6100.00} payment. Wells has documented : ( 1 ) Wells received my full {$6100.00} payment ; ( 2 ) the tellers drawer reconciled ; and ( 3 ) the branch kept no documentation. Wells requested documentation from me showing that DC OTR is disputing receipt of the {$6100.00} payment. On XX/XX/year>, I promptly forwarded Wells a DC OTR email stating just that AND resubmitted the DC OTR ledger that accompanied my CFPB complaint [ attached hereon this new complaint ]. Wells promised to do another round of investigation ( as also stated in Wells final response to CFPB complaint XXXX. Wells received {$6100.00} but only sent DC OTR {$4200.00} leaving an unaccounted for balance of {$1900.00}. I think my request is very reasonable and straight-forward : either ( 1 ) give me a {$1900.00} refund for the discrepancy ; or ( 2 ) give me indisputable proof that Wells forwarded DC OTR {$6100.00} so that I can direct my refund request from DC OTR. At this point, closure of any further cases would be a reckless disregard for ACKNOWLEDGED consumer deposits/funds provided to Wells. I want a full accounting of everything with any other complaint closures that do not end with a {$1900.00} refund or documentation that Wells provided DC OTR with the additional {$1900.00}.

Wells has OUTRIGHT REFUSED to fully investigate this case and is gaslighting me saying I failed to cooperate which is untrue. I feel harassed and that Wells is purposely attempting to further exacerbate my medical issues and cause me further undue mental and emotional distress. Wells has the info needed to either reimburse me or provide evidence I can use in a DC OTR claim for reimbursement. PLEASE ESCALATE THIS CASE PROMPTLY. Wells continues to revictimize me, and this is not fair. 

I am asking that CFPB open an investigation into my real property tax payment as well as every other tax payment collected by Wells on behalf of DC OTR to ensure no other DC government constituents were frauded the way that I feel I've been frauded. This could potentially amount to millions, at a minimum, in stolen/misappropriated funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously submitted a complaint the CFPB stating that my dispute sent to the XXXX bureaus on XX/XX/2022 was ignored and no response was given within the 30 days required to respond. Per the FCRA, if there is no response within 30 days, the disputed information must be removed. I did NOT receive a response within 30 days of sending my dispute!!
Product: Debt collection

They called me trying to get my Dad, My Dad 's name is XXXX. They had the wrong XXXX and they keep calling me ( XXXX ) and leaving messages for XXXX my Dad but they had the wrong XXXX. They are such a pain. Leave me and my phone number alone.
Product: Student loan

I graduated from XXXX XXXX in XXXX, MI in 2003, although for some reason it is not on your list. Navient has proven to make it extremely difficult to repay my loan as they only accept a limited payment option by debit or check only. I was on disability for 7 months and they would not send me the proper paperwork. My loan balance for graduating now 15 years ago is still totally over {$20000.00} dollars. I find that very hard to believe considering is was a 2 year XXXX college. I tried recently to get my transcripts from XXXX  who is supposedly servicing XXXX students. I paid {$10.00} only to receive a measly certificate with the name of my degree. Right now employers do not even recognize XXXX as an accredited college for education. So my degree is worthless. I'm looking for a loan discharge as I feel that this is fraudulent, and are prepared to take legal action if necessary.
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 Number : XXXX : Balance : {$7900.00} Account Name : XXXX XXXX  : Account Number : XXXX : Balance : {$12000.00} Account Name : XXXX  : Account Number : XXXX : Balance : {$2600.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$8400.00} Account Name : XXXX  XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX : Account Number : XXXX : Balance : {$6100.00} Account Name : XXXX XXXX XXXX  : Account Number : XXXX : Balance : {$13000.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2022, I sent out my dispute letter to you and its been over a month now, and I havent received any response from you yet. As far as I know, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you- which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information may also have gotten to the hands of the wrong person because of the Equifax data breach and you need to do your part to investigate and clean up these errors.
Product: Debt collection

The XXXX XXXX XXXX XXXX NH has posted a debt collection of {$710.00} dollars to me regarding a health club membership since XX/XX/XXXX. 2020. Me XXXX XXXX had called them to say I had lost my debit card and to stop charging my account and to freeze my membership while I was out of state.. and they said that they would and when I had returned home I had called and they said I owed XXXX I tried to work this problem out with them multiple times saying I told them to freeze my membership and they were attempting to charge a card that was deactivated. I had many staff workers tell me they were not charging my account and that there was nothing they could do very rudely and not professional so I am submitting this because I had stated to them multiple times over phone to freeze my act because I was out of state and lost my debit card and they did not comply and were charging me for services I asked to stop receiving for the time being.
Product: Credit card or prepaid card

On Monday,XX/XX/XXXX, I telephoned American Express at the number on the back of my card ( XXXX ) to redeem earned cash rewards. The person I spoke with credited my account for the earned cash rewards and encouraged me to upgrade my XXXX XXXX XXXX  card ( no annual fee ) to their XXXX XXXX XXXX  card ( {$95.00} annual fee ).

I told the person I needed to confirm that the enhanced benefits on the new card would more than offset the annual fee. He told me for XX/XX/XXXX calendar year, I charged {$4900.00} at supermarkets, {$6000.00} at gas stations and {$180.00} at department stores. He did the math and confirmed the added benefits more than offset the new annual fee. In addition, I would be given a {$150.00} credit for {$1000.00} in purchases in the first 3 months. It all sounded pretty good, so I said sign me up.Later that night I thought his XX/XX/XXXX spending figures sounded high so I checked my XX/XX/XXXX statements fromXX/XX/XXXX through XX/XX/XXXX. For those 6 months, I averaged $ XXXX/month for groceries and $ XXXX/month for gas ( both typical for the year ). The figures that he provided to convince me to switch to the annual fee card were approximately 2.3 more for groceries and 2.8 more for gas than I spent in the 6 months of statements I reviewed, and I'm certain are typical of the entire year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and Trans Union to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a XXXX XXXX me and my family this is not right my credit is going no where
Product: Credit card or prepaid card

On XX/XX/2020, I called Kohl 's to find out what the pay off on my account would be. Unfortunately, I had been delinquent in payments due to divorce finances. I spoke to a Kohl 's representative who removed some late charges and told me the new balance. The representative took my payment over the phone via my debit card. To my disappointment, I discovered Kohl 's had charged me a {$1.00} on my account despite the payment of {$1300.00} being payed immediately to the representative over the phone. I discovered when my credit report that Kohl 's showed an outstanding balance of {$1.00} that was now showing 90 days delinquent. On XX/XX/2020, I called Kohl 's financial services and spoke to both a representative and supervisor. A case was opened by Kohl 's to investigate this {$1.00} discrepancy. On XX/XX/2020, I followed up on the investigation with Kohl 's. When I called the automated system told me my account balance was {$0.00}. The representative I initially spoke with, told me the investigation was resolved and a letter was sent to me on XX/XX/2020. I explained the letter had not arrived and requested another copy be sent. I was told be the representative she could not send another one. I asked to speak to a supervisor. The supervisor told me the case had not been resolved and the first representative did not read the codes in the computer system correctly and that even though Kohl 's had " reversed '' the {$1.00} interest charge the case was still open and not resolved, therefore, they had not sent a letter saying they were in error. I requested to speak to this persons supervisor and was disconnected in the process and sent to the Kohl 's customer satisfaction survey. At this time, I have not received any documentation from Kohl 's admitting their error! This {$1.00} error on Kohl 's part continues to negatively impact my credit. I could sure use some help in resolving this issue. Thank you!!
Product: Vehicle loan or lease

The interest on my loan is way overstated. I have had a auto loan that did have an extension due to XXXX. 
The original loan was for {$28000.00} at 17.45 %. 
Several time during the loan, the entire payment was placed in to Interest. The payment before and after looked normal.

I believe this loan was paid off months ago but I had a lot of trouble getting the detail from them to look at.

Example ; My Payment is XXXX on XX/XX/XXXX {$150.00} went to interest and {$480.00} went to principal. 
My next payment the entire XXXX went to interest. 
XX/XX/XXXX my entire payment went to interest when the split On XX/XX/XXXX had {$48.00} going to interest and {$580.00} going to principal. 
All of the payments below went to interest and not principal. Thus the next payment I was overcharged in interest because the principal never reduced. 
XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} XX/XX/XXXX {$630.00} I was given a few extension during COVID and although the claimed I would not be charge late charges ( some were reversed and some were not. 
I want the late fees waived and {$5100.00} applied to my principal.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. XXXX XXXX Bankruptcy Federal XXXX XXXX XXXX Bankruptcy US BKPT CT XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$2200.00} XXXX XXXX XXXX XXXX BALANCED {$1300.00} Chargeoff XXXX XXXXXXXX BALANCED {$0.00} Chargeoff XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Experian has failed to conduct a proper and thorough investigation as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The reporting of XXXX XXXX collection/Closed account on my credit report does not satisfy the FCRA 's requirement for maximum possible accuracy under 15 U.S.C. 1681e ( b ). To date, I have seen no evidence that a reasonable investigation was conducted, nor has any proof documented proof has been provided to determine the verification of such information Experian is reporting.

According to Section 611 of the FCRA ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable reinvestigation of disputed information. This investigation must involve obtaining sufficient documentation to verify the validity and accuracy of the collection account. To ensure compliance with federal law, Experian must Obtain Original Source Documentation : This includes the original contract. Simply relying on information provided by the furnisher without reviewing original source documentation is insufficient to meet the statutory requirements. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), the court held that a credit reporting agency has an obligation to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. Failure to verify the accuracy of disputed information and reliance solely on the furnishers ( XXXX XXXX ) response is not considered a reasonable procedure. This case sets a precedent for requiring independent verification of reported information. 

The XXXX XXXX XXXX XXXX case further emphasizes this requirement, as it established that a credit reporting agency can not simply accept a furnisher 's response without conducting an independent review. If documentation supporting the account 's accuracy is not obtained, the information must be deleted.
Product: Credit reporting or other personal consumer reports

I am writing regarding my credit report, which contains inaccurate and incomplete information that requires your attention. 
The reason for my dispute is that your agency has not provided sufficient information to verify the debt in question. XXXX and XXXX, another credit bureau, has already corrected the inaccuracy these accounts from their records due to an identified error. I am perplexed as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts from my credit file as it is inaccurate, erroneous, incomplete, or unverifiable.Specifically, I wish to dispute these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

The Citizens Bank ATM recognized my debit card and had no problem with my withdrawal, but then failed to return the card, without explanation. When I called to complain, I wanted my card back or a replacement card with the same expiration date so that I would n't need to spend hours rearranging all my automatic payments with vendors. They instead ordered me a new card with a new expiration date. The supervisor XXXX XXXX in Pennsylvania stated that they do not provide replacement cards with the same expiration date.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XXXX, XXXX XXXX XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These account have resulted in several fraudulent appearing on my consumer XXXX credit report. I do not recognize the aforementioned account as reported. The aforementioned account appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account are the result of identity theft and fraud.
Product: Debt collection

XXXX XXXX XXXX attempting to collect a medical bill in amount of {$440.00} that was reported on XXXX XXXX 2013, I have never been to any facility XXXX XXXX XXXX nor have a ever received written notice of this bill from the debtor. I have sent repeated request to debtor and all three credit agency to investigate the claim being reported to and to date have not received an answer from any of the mention parties.
Product: Credit reporting or other personal consumer reports

The accounts listed below keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following inquiries are unauthorized and unverified but keep coming back as accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Heyy my name is XXXX XXXX. I was part of a bank fraud, which unauthorized transactions happpened on my account. I told the Wells Fargo bank multiple times to fix it, and they denied my claim. Theyve put me in debt of - {$9900.00} unauthorized overdraft, and wont fix it. No security whatsoever, I wasnt notified and called for those transactions to take place. I had a limit. So theres no way they shouldve happened. 
Please help. Because they wont do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXXXXXX XXXX  : {$230.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$390.00} - Please investigate the way this account reports information. I do not recall being late on the dates this account presents. I always make my payments on time and I was never late. As per FCRA, reporting of account information must be accurate. I need this account investigated and updated immediately for lawful accuracy. Thank you. 

XXXX XXXX XXXX XXXX : {$330.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file. 

XXXX XXXX XXXX : {$1000.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy. 

XXXX XXXX XXXX XXXX : {$710.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX  XXXX XXXX Pursuant to 15 USC 1692c. ( c ) ( 2 ). Am invoking my specified remedy as a consumer, and I demand Experian to obey the law and remove PRIVATE INFORMATION from my consumer credit file. Pursuant to 15 USC 1681 ( a ) ( 4 ). A consumer has a RIGHT to privacy. I have sent proof of this illegal action as well as Exhibits. Govern yourselves accordingly.