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

Transaction # 1 XX/XX/XXXX was an purchase made through XXXX with my card b/c it was stolen and i reported it stolen had to ask for a new card in the mail, i never made the alleged purchase dated. I disputed the transaction on XX/XX/XXXX they denied. 

Transaction 2 was a charge from XXXX for {$120.00} dated XX/XX/XXXX i tried to block transaction same day & cash app didnt do anything to block it while it was pending. I then had to escalate the issue so they do something about it i started the dispute on XX/XX/XXXX & they denied the dispute for me on XX/XX/XXXX. Any dispute i make ALWAYS gets denied they are not investigating anything they are just robbing their customers legally & getting away with it. Any other bank disputes the transaction and your voice is heard. Cash app always coincidentally favors against the customer. I called multiple times to find out the status of my diapute & i never recieved an answer as to why it was denied. They just push you off and make you wait XXXX business days so they can deny your dispute which is unfair. 

Transaction 3 was on XX/XX/XXXX i recieved a transfer for a service on cash app for {$300.00}. At XXXX i visited the bank listed cashapp atms to use and i tried to withdraw the total amount from the atm at XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX on XXXX  XXXX XXXX and the atm froze with my card in it i went and spoke to the supervisor and she said the atm was just serviced, and because it happened during store hours i was able to speak to someone and she emptied the atm and confirmed the XXXX was still in the atm and i never recieved it, i waited for over 30 minutes trying to get them to get my money and they told me i had to call my bank ( cash app ) and tell them what happened. They were giving me the run around so i gave my phone to the bank supervisor so she spoke to the agent on the line and explained what happened how it happened and that they are resposible to get me the XXXX back and they are delaying the dispute. I am sick and tired of being denied time and time again for disputes that i should have been refunded. I have made numerous phone calls, filed complaints to no recieve no responses and cant get a hold of a supervisor ever because when you call the agents say they have no supervisor so how is any issue that requires you to speak to a supervisor to be able to be resolved. In total the amounts of the 3 disputes that i am referring to sum up to the total of {$860.00}.
Product: Checking or savings account

On XX/XX/19, a CD I have with Wells Fargo matured and entered a grace period. I wanted to close the CD and have the funds transferred to another Wells Fargo checking account. I did not want the CD rolled over as I needed to use the funds. I called and requested that the CD be closed and transferred to my checking account. 

After several business days, I called Wells Fargo again because the online system still showed the CD as open. On XX/XX/XXXX, I called Wells Fargo again. The representative said they couldn't find record of my XX/XX/XXXX request so they put in another request to close the account. This time, the representative put in the request to just close the account and send me a check. 

After several business days, I emailed Wells Fargo regarding the status of the request. Rather than helping me, the representative told me the CD had rolled over for a new 24-month period. 

On XXXX, I called Wells Fargo again and finally got a hold of a manager. The manager indicated that they could close the CD even though the grace period ended because Wells Fargo had messed up my request. Finally, after a couple business days, the CD was closed and transferred to my checking account without any fees. 

Fast forward to XXXX, the 2nd of my 3 CDs at Wells Fargo matured. I called Wells Fargo to close the XXXX during the grace period and have it transferred to my checking account. After two business days, I called again on XXXX to ask about the status of my request. The representative at Wells Fargo told me that they did not have record of the request and that I should just wait another day. It's now XX/XX/19 and the CD remains open despite my request to close it. 

The reason for my complaint is that I refuse to believe that my luck is simply this bad or that Wells Fargo is simply just that incompetent by happenstance. At this point, I can't help but think that Wells Fargo is intentionally ignoring my requests to close the CD because they are hoping that the CD rolls over and I just give up and go away. There's no other logical explanation for why closing an account takes this much effort -- and why multiple representatives at the same call center are unable to fulfill a simple transaction request. 

I refuse to believe that a billion dollar bank in the U.S. just happens to have really antiquated systems that a ) doesn't track closing requests, and b ) is so difficult to navigate that no one at the bank seems to have the cognitive capacity for fulfilling the request. 

Considering that Wells Fargo is a bank, presumably in the business of selling CD products, I can't help but think they are also doing this to other customers. I find it borderline fraudulent that Wells Fargo can repeatedly ignore requests to close accounts. I would like the CFPB to investigate this issue, because where there is smoke, you know there is fire.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX Acct # XXXX has violated my rights. 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
Product: Credit card or prepaid card

1. I reported a case of fraud to Capital One in XX/XX/2019 regarding a fraudulent charge of {$2100.00} made via the internet to the clothing retailer XXXX. 

2. Capital One took initially appropriate actions such as placing the initial charge on hold and issuing me a new credit card number. 

3. Capital One initiated a fraud investigation in XX/XX/2019 4. Another attempted charge to the retailer XXXX was made in the amount of {$2100.00} to the closed credit card number and was declined on XX/XX/2019 5. Capital One closed the fraud investigation with the statement that " ... I've found no indications of fraud. The following charges will appear on your next statement as adjustments : ... '' in a letter dated XX/XX/2019. 

6. I am a long standing Capital One customer ( >8 years ) who maintains multiple active banking and credit relationships which would generally be associated with low fraud risk. 

I believe the statement that " I've found no indications of fraud '' to be both inaccurate given the totality of facts available to Capital One and dismissive of the customer experience and devoid of empathy given that I reported a case of fraud.

Specific indications of fraud that Capital One did not acknowledge in their letter to me : 1. The fraudulent order utilized both item sizes and a shipping address that was inconsistent with my purchase history.

2. An additional attempted charge of {$2100.00} was made on the closed credit card number after the account was closed.
Product: Mortgage

Mr. Cooper charged me an overpayment of {$50.00} for a mortgage payoff. The charges are as follows : XX/XX/XXXX - {$25.00} ; XX/XX/XXXX - {$25.00} ; XXXX - {$25.00} and XX/XX/XXXX - {$25.00}. I would like a reimbursement of {$50.00}. Mr. Cooper 's response is attached and I have not heard from them. They keep refusing to reimburse me.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Transunion due to their failure to address my dispute of unauthorized inquiries within the legally mandated timeframe. I sent a dated and time-stamped dispute letter on XX/XX/XXXX ( attached ), detailing that certain inquiries on my report were unauthorized and accompanied by an FTC report as evidence. Under U.S. law, these inquiries must be removed promptly. Over 30 days have passed with no acknowledgment or corrective action taken by Transunion. I, XXXX XXXX, confirm that the following accounts were unauthorized and are to be removed from my credit report : XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Product: Credit card

I applied for a XXXX credit card with no intent to use it unless of emergency. XXXX # XXXX stated my car XXXX  XXXX needed a water pump and a thermostat housing, I then went to XXXX XXXX XXXX and they agreed i needed a water pump but said nothing of a thermostat housing and there was no overheating issues. After a few weeks past, I spoke with XXXX XXXX, the store manager and told him I wanted the water pump but not the thermostat housing as I didn't think it was necessary. that following monday I was able to bring the car into the shop and again reiterated to XXXX XXXX that I did not need the thermostat. Later that afternoon XXXX XXXX informed me that they were installing the water pump and since they had the engine apart would I like them to install the thermostat housing as well. I SAID NO. that was the end of it until I was contacted by the bank, saying I've missed XXXX payments and being assessed late charges. The bank went on to tell me that XXXX # XXXX charged my XXXX credit card XXXX eventhough they were not authorized to do so. to make things worse they charged me without doing the work. I confronted XXXX XXXX who assured me it was a misake, and a full refund would be issue by District Manager ( and cousin ) XXXX XXXX, it's now been more than a month and I have not heard from either nor have I received a refund.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, as you can see there are many different address reported on my report. That is inaccurate address, it seems as if the person doesnt know my correct address but has been still applying for things in my name. I would like for the addresses and the items listed on the file to be deleted because no Permission was given.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Tra icking debt bondage, which falls under tra icking according to Tra icking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human tra icking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information early warning services. Please delete the following accounts. Account XXXX XXXX XXXX XXXX
Product: Mortgage

Originally I had mortgage with Green Tree on our primary residence. Once Ditech LLC took over, the mortgage started being serviced by them.

We had regular trouble with escrow and extra payments applied not to the right account. Finally, we have decided that the best is to stop interacting with Ditech, therefore we need to pay off the mortgage.

What was good : it was a click of a button to get to the amount of the pay-off - done on XX/XX/XXXX. Good stopped right there.

The amount came with completely unclear instructions on how to actually do the payment. I ordered a cashier 's check on my name from my checking account for the full amount of the pay off. As per usual, cashier 's check on my own name can be signed over to anyone with my signature and will be as good as cash. In this case it was a check on my name signed over for the deposit into the account on my name! What can be confusing about it?

Before putting this check into the mail, I decided to call Ditech on Saturday, XX/XX/XXXX. My question was simple - do I need to sign the check on the back or is it fine as is, as the check was on my name and is intended to be deposited into my mortgage account on my name ( the sole owner of the account ), which every other bank on Earth has no problem doing.

My conversation devoted to this one question lasted for about 20 minutes. I was asked to be put on additional alerts, e-mails, etc. Mildly annoying, but ok ... I was talking to XXXX. She had no clue what I was asking, asked to do some research multiple times during the conversation by putting me on hold and continued to ignore all my very polite requests to please connect me someone else who might have dealt with pay-offs before. She told me that the check I'm holding is a third party check and they will send it back ... ( where is the third or second party here? Check on my name to be deposited to my account! ). I was upset for several days about this. It is important to know that I'm local to MA, so going to Ditech to resolve this in person was never a possibility.

After all, I decided to not send the check by rather do an electronic direct wire. I went to my bank so that I do a direct wire. With a banker at my side we called Ditech again today, on XX/XX/XXXX, again got XXXX  on the phone. The question we had was even simpler : can we, please, have the physical address that is associated with the bank account # that we're wiring the money to. She said we're wiring the money to the XXXX XXXX XXXX and gave their physical address in NY. The banker who was helping me initiate the wire said : this can't be the case, as you need the address of the final recipient institution. In response XXXX gave the address of Ditech in IL. I hope that my wire is arriving shortly and that the pay-off will be handled smoothly.

This type of customer support and complete incompetence is absolutely unacceptable and needs to be known to anyone who has a choice of a mortgage company to deal with.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Charge Off Account. 

XXXX  XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and or fraudulent. I would like for these accounts in this complaint to be removed as soon as possible.
Product: Bank account or service

On XX/XX/2017 the US Bank branch manager, XXXX XXXX, refused me service. Although she claimed it was for not presenting valid identification, in reality it was because of my general appearance which she automatically interpreted as " homeless '' XXXX street clothes and a book bag. Evidently, " her '' bank automatically refuses services to anyone who appears or fits the description as " homeless ''. XXXX did n't know and did n't care that I 'm a XXXX who works to pay her own bills for her own apartment. She probably does not care that I will neither recommend nor refer any of my friends to the bank. XXXX has no place casting judgment onto anyone because she 's a XXXX XXXX in the banking industry who catches enough grief from everyone with whom she encounters.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to lodge a formal complaint against the XXXX major credit reporting agencies XXXX, TRANSUNION, and XXXX, for willful non-compliance to remove personal information from my report and failure to maintain the accuracy and integrity of my credit report, as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under XXXX XXXX Code XXXX. 

I sent this request on the following dates : XXXX. XXXX on XX/XX/2023 XXXX. TRANSUNION on XX/XX/2023 XXXX. XXXX on XX/XX/2023 Incorrect Personal Information and Identity Theft : Despite repeated requests, these agencies have failed to remove incorrect personal information from my credit report, including non-mailable addresses and non-reachable phone numbers. I am a victim of identity theft, as evidenced by an active identity theft report, which I have filed. The inclusion of incorrect information not only misrepresents my personal data but also exacerbates the risks associated with my identity theft situation. 

Failure to Update Personal Information : Additionally, XXXX, TRANSUNION, and XXXX have not updated my report to reflect my true and correct name. My credit report should only list XXXX name and XXXX address, representing my current and accurate personal information. 

Lack of Permissible Purpose and Consent : I have not consented to the inclusion of any additional personal information on my credit report. The inclusion of such information without my written consent and the lack of a permissible purpose for collecting and reporting this information constitutes a clear violation of my privacy rights under the FCRA. 

Potential Harm and Request for Immediate Action : Given my status as a victim of identity theft, the mishandling of my personal information by these agencies is not only a violation of the FCRA but also poses a significant risk to my financial security and well-being. I request immediate action from the CFPB to investigate this matter and ensure the correction of my credit report by XXXX, TRANSUNION, and XXXX. 

Please find attached the relevant documentation ( including identification ) with the correct personal information and the information that needs to be removed. This is being put in the document since its personal information.
Product: Credit reporting or other personal consumer reports

for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX Account number XXXXXXXX XXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a missed payment that wells fargo reportedXX/XX/XXXX. I sent proof of payment to XXXX  verifying that the payment was not missed and they notified me that wells fargo assured them that the information was correct. I'm upset because this missed payment is negatively effecting my life. I sent in proof of payment and still got no results. What more proof can i send?. If the credit bureaus attempted to ask for payment history from the company then this wouldn't be happening to me. They concluded their last investigation XX/XX/. I have disputed this late payment four times. This is unacceptable. If a consumer sends proof of payment then that should be sufficient. I also disputed the missed payment with XXXX  and XXXX with she same incorrect information not removed.
Product: Debt collection

On XX/XX/XXXX I entered into q contract with XXXX  to provide residential internet service. The contract included a 30 day trial period, cancel the service within 30 days of signing up and you dont pay anything. I called and canceled my service on XX/XX/XXXX. I talked to the representative and confirmed I was within the 30 day cancellation window. 

In XX/XX/XXXX I began receiving collections calls from a debt collector, Sequium Asset Solutions, collecting the XXXX debt they claimed I owed. I requested a verification letter, which I never received. I then called XXXX to inform them that they were collecting a debt I did not owe. The XXXX  representative confirmed I did not owe the debt and stated that it would be resolved. 

On XX/XX/XXXX I received another call from Sequium again collecting on the XXXX debt. I called XXXX again and was escalated to the department that handles collections, they assured me that this would be removed from collections and my credit report. I received a call several days later from another representative confirming that I did not owe the debt and that collections would cease and the negative report would be removed from my credit report. 

The collections is still showing on my credit report and this has been negatively affecting my credit for over 6 months.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX XXXX XXXX was never late! I have had exceptional payment history 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 to be updated.

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. 


EQUIFAX 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 d

ays 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!

Update the late payments from my consumer reports
Product: Debt collection

Capio Partners at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a letter I owed a debt from a collection agency. I sent a letter to validate because I do not know what this is for. They refused. I then was turned into all 3 credit bureaus as owing this debt. I wrote them again this time certified.