23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo 's Dispute Handling and Outsourcing Practices Raise Customer Concerns In recent years, Wells Fargo Bank has faced a growing number of complaints from customers regarding their dispute resolution processes. Many customers have expressed frustration over the bank 's approach to handling disputes, stating that the process feels inefficient and unsatisfactory. A recurring concern is the quality of customer service, which some attribute to the bank 's cost-cutting strategies, such as outsourcing service roles to countries like XXXX. 

Customers report that the dispute resolution teams lack the training or authority necessary to resolve issues quickly and effectively, leading to lengthy wait times and a sense that their concerns are not taken seriously. Instead of receiving personalized assistance from knowledgeable representatives, many feel as though they are being handed off to teams who may lack the tools and resources to address complex issues adequately. 

Wells Fargos outsourcing to overseas teams, particularly in XXXX, is cited by critics as one reason for the decline in service quality. While outsourcing can be a valuable strategy for companies looking to reduce costs, it often requires intensive training and oversight to ensure that customer service standards are maintained. However, some believe that Wells Fargos choice to outsource may prioritize cost savings over customer satisfaction, leaving customers frustrated with subpar support. 

While outsourcing is a common practice in the financial industry, Wells Fargo 's execution has raised questions about whether the bank is striking the right balance between operational efficiency and customer care. As customers continue to voice their dissatisfaction, many are left wondering if Wells Fargo will take action to improve its dispute handling processes and invest more in high-quality, accessible customer support.
Product: Vehicle loan or lease

I had a car accident XX/XX/XXXX in XX/XX/XXXX I get a phone call about the {$1000.00} I owed. I explained to XXXX  that I had been hit by a dump truck and didn't have {$1000.00} that day but I can make payments and give them {$300.00} today and would have to make payments for the remainder balance. XXXX  then asked me do I have {$600.00} and the would waive the remainder balance I said I really don't have it but to pay this off in full so when I'm able to drive again and get another vehicle so I paid {$600.00} because she said when I call back it would be higher. She said when they send you the documents sign it or it won't go through. So I did in good Faith. On XX/XX/XXXX they sent a settlement in full me not knowing the verbiage and not reading the letter I said thank you and moved on I thought it was paid in full as I was told on the call. XX/XX/XXXX my score dropped I emailed asking why no response XX/XX/XXXX my score dropped XXXX XXXX I always paid on time and it took a long time to get my score up I called them and they basically told me that I signed an agreement knowing it would be closed not paid in full I said no that's not what I was told. {$400.00} I could make payments until it was done they manipulated me and also received {$13000.00} from my insurance company beyond greedy and selfish it was just wrong, I will pay the {$400.00} for them to reverse this I built my credit up and can't even buy a home now I'm hurt because I trusted her and she knew exactly what she was doing I even asked about my credit and she just bold faced lied. I wish it was more I can do please help me if possible? Thank you
Product: Credit card or prepaid card

I make a lot of online purchases. Every time I have used my PNC card for an online purchase it gets declined. I then have to call into PNC 's fraud department as I only get a text message to verify the transaction evert 4-5 declines. PNC has to " Hard reset '' the card each time, and even then while they are on the phone the card still declines half the time. There wait time is extremely long right now because of there merger. I escalated to a manager today and the managers response is " nothing we can do to prevent it, its a known issue for over 2+ years ''. How on earth can you have problems with a system that directly impacts clients for over 2+ years and not fix it???
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following information be verified or removed immediately : 1.The following personal information is not mine XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX remove it from my credit report. 
2.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
3.The following account is not mine XXXX XXXX XXXX Account # XXXX Please remove it from my credit report. 
4.The following inquiry is not mine XXXX XXXX XXXX XXXX  Please remove it from my credit report. 
5.The following inquiry is not mine XXXX  XXXX XXXX Please remove it from my credit report. 
6.The following inquiry is not mine XXXX XXXX XXXX Please remove it from my credit report.

7.The following inquiry is not mine XXXX  Please remove it from my credit report. 
( FCRA ), 15 U.S.C. 1681 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] 603 - 15 U.S.C. 1681a ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include * ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Truth and Lending Act 15 USC 1602 The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

( m ) 603 - 15 U.S.C. 1681a ( 3 ) Restriction on sharing of medical information. * ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX capital one auto finance I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting agency is failing to report our mortgage on our credit report. XXXX XXXX has reported the account to all three credit bureaus and all are displaying the account correctly except TransUnion. It has been over 90 days since XXXX XXXX began reporting the account once again. We can not actually dispute this with TransUnion because the account isn't visible on the report. Both XXXX & XXXX almost immediately began reporting on this account. Why is TransUnion not doing the same? 

The fact that this account is not appearing on our credit reports is affecting our credit scores and has prevented us from getting credit on at least one occasion.
Product: Money transfer, virtual currency, or money service

This will be my one last complaint. I began disputing to XXXX XX/XX/2015. I was given complete instructions to go through the XXXX. I summed full details as requested over these years. I read about all the class actions suits XXXX won in the courts, XXXX Mortgage XXXX DBA Seterus XXXX XXXX Each pertaining to my claimed with factual evidence. XXXX denied to investigate. Next, XXXX changes their business name to XXXX, Seterus is now XXXX. XXXX gets paid by each complaint written on your website. Allowing all illegal fiancial institutions involved to remain concealed. With all abilities to continue the exact crimes just with different names. Today my statement of this complaint is directed to the XXXX. I will continue to share my evidence to the public. Each homeowner is dismissed by XXXX. It's business & a pay-check for XXXX. This is conspiracy. Hundreds of thousands of people who have been requesting assistance have never gotten the XXXX assistance. We have United together. We are exposing CFPB
Product: Credit card or prepaid card

I have a bank of America credit card with a XXXX credit limit. 

I made a payment online of {$4500.00}, but I accidentally typed {$45000.00}. 

BoA let the payment go through ( which seems crazy - what if i typed in $ XXXX ). 

Oh well, my bad. This overdrew my checking account by approximately {$40000.00}. I immediately called BoA and told them cancel the payment and send the money back. They said they " sent the money back '' to my checking account. The credit showed up min my bank the next day. All was good. 

A day later, BoA AGAIN debited my account for {$45000.00}. when I called BoA the second time, they said that they are have to run it twice and that they will not stop trying to clear the {$45000.00} from my account. 

This was news to me. The first time I spoke with BoA they they DID NOT tell me that they would try to run it again. If they did, i would have put a " stop pay '' on it with my bank. 

I spoke with XXXX at Bank of America on XXXX around XXXX AST. 

Be careful paying your bills online with Bank of America. Their system is flawed and does n't ' have you review the amount you are paying. And if you enter the wrong amount, they will not actually let you correct it - they will lie to you and tell you it 's corrected, but then they say " oops, sorry the person you spoke with last time told you that. There is nothing we can do. '' I think they did this to encourage me to open a checking account at BoA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to refinance my house. I have a credit freeze. Experian has inaccurate information about me ; I believe it may be they are using a previous address as my current one. This happened before and I submitted documentation to get corrected. Now years later I am still having problems. I have tried to call, but get caught in a computer circle from XXXX and can not reach a live person to understand how to get this corrected. THEY XXXX IT UP AND NOW I CAN NOT GET MY HOUSE REFINANCED. I can not get it corrected because I have no idea what is wrong. I have requested a credit report, but again, when I fill out the form it doesn't match their incorrect info and I can not get a copy -- - I DONT KNOW WHAT IS INACCURATE
Product: Mortgage

We received our XX/XX/2021 mortgage statement from NewRez DBA Shellpoint on XX/XX/2021, The statement states that the payment amount due for XX/XX/2021 is in the amount of {$1800.00} instead of the correct amount which should be {$940.00}. This XX/XX/2021 statement was generated on XX/XX/2021. Our XX/XX/2021 payment was cashed by NewRez on XX/XX/2021. 

The statement also indicates that our payment in the amount of {$940.00} was not applied for the payment due XX/XX/2021. 

We sent a payment in the amount of {$940.00} to NewRez. We sent the payment certified and with a delivery signature confirmation. 

Per USPS records NewRez received our check on XX/XX/2021 at XXXXXXXX XXXX. XXXX XXXX signed for the delivery confirmation. 

We confirmed our bank records and NewRez did indeed cash our check in the amount of {$940.00} XX/XX/2021. 


NewRez needs to immediately do the following : 1. Apply the payment we made for XX/XX/2021 in the amount of {$940.00} to our account and ensure that it is accurately reflected on future statements. 

2. Send us an amended XX/XX/2021 statement which states the correct Payment Amount Due of {$940.00}. 

Please note that complaint is related to all of our previous CFPB complaints regarding the handling of our mortgage by NewRez dba Shellpoint.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute regarding the unauthorized and incorrect negative items that persist on my credit report. It is troubling that despite my detailed challenges to these entries, they continue to adversely impact my credit file.
Product: Checking or savings account

On or around XX/XX/XXXX my cash app account sustained over 40 unauthorized transactions with an online merchant funzpoints. I reached out to cashapp in a timely manner XX/XX/XXXX to report the unauthorized transactions. On or around XX/XX/XXXX I was notified that my claim was denied and the information used in making the decision could be provide upon request, in which I requested. The information used in denying my case lacks sufficient evidence ; therefore resulting in an inadequate investigation. Not only did I file a claim in a timely manner, I have no history or relationship with the merchant. Cash ap failed to take preventive measure in protecting my account from the fraudalent charges. Cash app also failed to include all unauthorized charges from the mentioned merchant in my claim. 

Attached is the evidence cash app used in resolving my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX XXXX XXXX has fraudulent accounts on my credit profile that need to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : 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, 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 reporting or other personal consumer reports

There was a complaint submitted to the CFPB on XX/XX/year> for account XXXX XXXX XXXX. The complaint id is XXXX. You were informed to remove the account and remit payment to the address on the invoice due to your incorrect reporting, but this account is still reporting without validation of debt, and you failed to remit payment. XXXX and XXXX have since deleted this inaccurate information from my credit report so how are you still reporting this as accurate? You were already sent an FTC report and failed to remove this account therefore I am now seeking monetary relief for your negligence and violation of the FCRA. I am filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. See the FTC report and the True bill attached. Remit payment to address on the invoice within 10 business days. If this account is not deleted and payment is not received, I will have no choice but continue with my intent to sue Transunion being that you were already notified numerous times, and this is now negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There Are MULTIPLE ACCOUNTS OPEN
Product: Credit reporting or other personal consumer reports

collection XXXX XXXX XXXX XX/XX/scrub>XXXX  {$1800.00} I declare under penalty of perjury ( under the law of the united state, if executed outside of the united state ) that the foregoing is true and correct to the best of my knowledge. further, i certify that i am permitted by FEDERAL and STATE LAW to file this dispute. i also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621 This collection found within my credit report are not related to any transaction that i made. I am alleging that a person or company -without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. all is being investigated by the FTC. 
I demand you to remove this account from all XXXX of my credit report asap or i will file litigation against your company for furnishing a false account on my credit report
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against AMCA. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Product: Credit reporting, credit repair services, 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 XXXX XXXXXXXX has violated my rights. It was first inaccurately reported as a late payment for XX/XX/XXXX  and then reported inaccurate information and removed XXXXXXXX XXXX late payment and changed it to XX/XX/XXXX  inaccurate information. 

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

Transunion, XXXX and XXXX has not corrected my Credit File to  reflex what is actually been paid in full. 

XXXX XXXX and XXXX XXXX XXXX should show a XXXX   Balanced Owed. My Credit ScorXXXX has dropped from XXXX to XXXX due to this Misinformation from these three Credit Reporting Agencies. I want them to correct my Credit File so I can get Credit again. As of this date I have been Rejected for Credit Cards and.. 

Car Loans because of this Misinformation showing I owe on these two accounts that are Closed with a XXXX Balance Owed. 

Waiting for a Reply, XXXX XXXX XXXX
Product: Debt collection

On XXXX XXXX, 2015 received debt letter. On XXXX XXXX, 2015 My attorney sent dispute letter asking for valid debt instrument. On XXXX XXXX, 2015 ( over a month after dispute letter XXXX received letter from debt collector sent to me. 

There was a mistake and I do not owe the debt, they continue to harass and contact me instead of working with my attorney.
Product: Credit card

I mailed the first payment on XX/XX/year> at my local XXXX XXXX, which was due XX/XX/year> and has still not been processed, and the shut off my credit card through no fault of my own. P.S. all other bills mailed out directly at XXXXXXXX XXXX  have been received and processed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I am one of the XXXX  of a XXXX XXXX in Florida. That company has a credit card with XXXX XXXX XXXX which is past due 150 days because the company is in financial trouble after 30 years in business and will be going out of business soon. 

XXXX is reporting this roughly $ XXXX past due balance on my personal credit report. Is this legal? XXXX XXXX XXXX is a separate person according to the law. 

I believe that most every corporate credit card says somewhere in the fine print that a person personally guarantees it, so I assume this one does also. However, regardless of whether there is a personal guarantee, XXXX XXXX XXXX is a separate person and the past due should show on the company credit report, but it is totally wrong and probably illegal to also push it out to a personal credit report also. If they do it to me, then this bank must also do it to other people. This is the only bank that has done this for any past due payments on this corporate account.
Product: Consumer Loan

I co signed a car loan with my husband XXXX XXXX. He died XXXX XXXX they had repossessed the vehicle XXXX XXXX we both get a cancellation of that for XXXX that 's what we owed on the vehicle. if we were to file that it would be XXXX. i thought they were supposed to sell the vehicle and we would be responsible for the remaining balance, i sent XXXX of the XXXX 's but i could n't find the other XXXX in the same amount to XXXX XXXX
Product: Credit card

i was looking at my credit card statement from bestbuy and saw a charge for {$20.00} from this XXXX
Product: Credit reporting

I have sent various online and telephone dispute to TransUnion in reference to my XXXX.in which they have placed my mortgage as Negative Adverse Account instead of Good Standing Satisfaction Mortgage Account History.They also have my account as 1 late payment in XXXX. I never ever been or paid late, I even called the creditor XXXX myself and they look back all the way to XXXX and they could n't find anything to confirm the late payment that was placed by the Trans Union .My Mortgage was transfered 3 times.1st my home was bought in as adjustable rate so every year the rate will go up XXXXpoint until the 5 years. Yes I bought my home as a FHA had to look around and had my home was refinance to secure it with a fixed rate. 3rd I had a Loan Modification, which shows XXXX different real estate Mortgage on my credit Report, However TransUnion, because of this inaccuracy my credit mortgage as a adverse account which is consider as a negative account. My Mortgage should be in the good standing, for this reason my credit has been suffering. I 've disputed in XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX/XXXX/XXXX also on XXXX also on XXXX/XXXX/XXXX. I 've disputed so many times and nothing has happened or all inaccuracy are still the same.I just want my XXXX XXXX to be taken out of adverse account, that the negativity on my mortgage for being late, when I was never late, current, paying as agreed and on time, be put as it should have in Good Standing Satisfactory Account on my credit report on XXXX XXXX. Please update all inaccuracy and place me where I should have been in satisfactory good standing account in my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, FACTUAL DATA add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XX/XX/2020, XXXX XXXX  XXXX  add a hard inquiry on my credit report per XXXX.