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

Trying to transfer money from Wells Fargo checking to XXXX XXXX XXXX XXXX checking. Unable to transfer. Told to update contact information, which I did. Told to enroll in text message program, which I did, 4 times on my own, at least once through the bank. Each time, within two days, I receive an email that text messaging was cancelled, meaning I still can not transfer money. Been going on 1 month. Bank also refused to allow me to speak with a supervisor, and the last call was sent through to the tech group who assured me it was taken care of. 2 days later, this morning, I received notice of the FIFTH cancellation of text
Product: Credit card

Continuous review of transactions without any resolutions or contacts to customer. 


Refuses to verify recent transaction as valid as told so several times. 

Unable to properly identify my card usages patterns because times changes and the economy changes which will require more or less use of credit limit.
Product: Debt collection

Capio Partners is illegally reporting a fraudulent account on my credit report. I have never created an account with them or any of their third party affiliates.
Product: Checking or savings account

Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against one main financial and XXXX XXXX. This is regarding onemain financial pulling my credit without my authorization. On the XXXX of XXXX, XXXX I received a call at XXXX XXXX from one main financial ( phone # XXXX XXXX XXXX ) offering a pre-qualified loan, without mentioning the amount. The person that I talked to said that one of the requirements was to have a cars title under my name, I said that I dont have a cars title as I use the car provided by my employer. After that the call hang up and I did not hear from them anymore. Later that day I received an alert from XXXX XXXX saying that I have a new inquiry. I checked my credit report and I noticed that one main financial pulled my credit without my consent. I also noticed that the same company pulled my credit in the past without my authorization in the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I m asking to remove the inquiries of one main financial from XXXX, XXXX and XXXX as I never authorized them to pull my credit, nor was informed of the access to my credit. I believe that XXXX XXXX sold my information and thats how one main financial accessed my credit information.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report within XXXX  business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and 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 reported in MONTHS REPORTING LATE to be removed 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.

This company 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 days 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! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

List of inquiries on my credit file that are not mine Complies wont remove saying they were online application transunion refuses to remove these from report. 
These are not mine was not authorized by me
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has violated my rights as a consumer over and over. They have refused to address any of the issues Ive brought to their attention and has not removed the fraudulent account XXXX XXXX XXXXXXXX. 

As shown in the attached evidence, Transunion has violated my consumer rights at least XXXX times in the past 6 months. 

They claimed my hand written and finger printed letter was not sent by me. 

They claimed the debt is verified as accurate with absolutely no evidence demonstrating proper investigation. 

I have sent them two separate identity theft reports multiple times. 

I have sent them a demand for validation of debt. 

I have called them for countless hours and spoken to countless supervisors. 

They have refused time and time again to remove this fraudulent account. They attempt to pin the responsibility on the institution with which the fraudulent account was opened with, but TRANSUNION is the one who is publicly furnishing this information on MY consumer credit report. TRANSUNION is the one who is directly damaging my reputation, my XXXX  well-being, my XXXX well-being, and my financial well-being. 

Today, XX/XX/2023 I have sent ( via certified mail ) a notarized affidavit stating each and every fact of how they have violated my consumer rights. Attached to this affidavit are multiple exhibits demonstrating where and how my consumer rights are being violated and have been violated. 

As shown in the attached documents, Transunion not only reports this fraudulent account on my consumer credit report but they cant even report consistent information. They have changed the dates and amounts. They also report different opening dates and $ amounts than XXXX does. Furthermore, XXXX has already acknowledged this account to be fraudulent and has permanently deleted it. 

A charge off is considered as taxable income which can not be reported on a consumer credit report. Transunion reports this account as a chargeoff. 

With each and every demand Ive made of Transunion, they have not addressed a single point. They have not shown a single piece of evidence of their investigation. Proper investigation has not taken place. 

For an account which does not belong to me to take up this amount of my time, energy, and resources is absolutely ridiculous. Ive done more hours than I can count of research to try to educate myself so that I can get this removed. It would have been extremely easy if Transunion did not violate my consumer rights and have complete disregard for what they are reporting. 

Please see each and every attachment and thoroughly investigate it. 

Transunion can either rebut every single fact in my affidavit, or they can permanently delete the aforementioned account as well as send financial remedy in accordance with the attached Bill Of Particulars.
Product: Student loan

This is a follow up from my last complaint that was submitted, but never resolved. Claim # XXXX. My private student loans were being serviced by XXXX  from XX/XX/XXXX. In XX/XX/XXXX, I got a letter from XXXX XXXX that due to the settlement of lawsuit, my private loan amount has been adjusted, and will be serviced through XXXX XXXX. However, instead of the account being transferred from XXXX, both XXXX XXXX and XXXX XXXX are billing me for the loan payment.

I have asked XXXX XXXX multiple times for the name of the servicing agent, that was servicing my private student loan from XX/XX/XXXX up until XX/XX/XXXX, when XXXX XXXX claims to have taken over my private student loan.

At the same time, I have asked XXXX XXXX for the Primissory note that I signed for the private student loan XXXX has been servicing since XX/XX/XXXX.

My loan should be serviced through either XXXX XXXX or XXXX, not both. However, I am currently getting bills from both agencies, and neither party is providing the necessary document.

I need to have the following information from XXXX : Primissory Note for my private Student Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete these inquiries off my credit report. Thank you I've listed the dates and names of the companies I've contacted the credit bureaus and the creditors and they keep giving me the run around. Please remove from my report. Thank you. 


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 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 TRANSUNION 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/2020 but XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted.
Product: Credit card

Made an eligible travel purchase through chase travel portal. Per the cardmember agreement this qualifies for {$50.00} statement credit. 
Have contacted the bank over a dozen times since the beginning of this year and have been getting a run-around stating they are 'escalating ' the issue. 

Received a physical letter dated XX/XX/year> which stated the credit should be issued within XXXX billing cycles '. 

Contacted Chase on XX/XX/year> and the agent mentioned she will again 'escalate ' the case for resolution.

Agent would not credit the {$50.00} as a manual reimbursement nor would they entertain any compensation ( points or cash ) for the utter inconvenience this has caused given the delay of nearly one year in resolving this case.
Product: Mortgage

On today, XX/XX/2021, I waited on hold for over 20 minutes after trying to reset my password online unsuccessfully multiple times. I spoke to agent XXXX on XXXX who tried to submit a payment XXXX and indicated it was unsuccessful and that the " digital support team '' would have to figure it out. She then transferred me to the digital support team who was closed. 

These people and their website are an absolute joke. A billion dollar company that can't process a payment on the phone or a payment on their website. SunTrust is garbage. This Company should be fined for not allowing people to submit payments. Class action lawsuit.
Product: Checking or savings account

WELLS FARGO- I was charged {$70.00} in overdraft fees today XX/XX/2021 and yesterday XX/XX/2021 because of recurring payments which in fact are not recurring payments because they are charged to my account at my discretion ( XXXX  XXXX ). These payments were submitted days before they showed up in my account as pending so I was transferring money from my checking to savings not knowing there were pending transactions. So also instead of just taking the money from my savings if my checking says {$0.00} they take money from my checking without my permission for what is NOT recurring payment and charge me {$35.00} each time. I am fed up and want to close my account Im sick of the scamming they do.
Product: Consumer Loan

I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company.
Product: Money transfer, virtual currency, or money service

So this claim is about {$380.00} that has been taking from me wrongfully through fraud. On XX/XX/XXXX by the XXXX XXXX company through paypal. This company took away all of my digital goods through this service after i found a problem which they refused to fix and later got mad and blocked my messages so i could no longer contact them. Not only that they also took away everything I paid for by banning me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts showing on my credit report do not belong to me and must be removed immediately! I have filed a complaint with the FTC, Local authorities and the creditors. I requested the credit bureaus provide a copy of my signature and the lenders signature on these contracts to prove validity. I have not received any such documents. Therefore without these documents on file, the credit bureaus are breaking the law and supporting fraud!

1 ) XXXX XXXX {$0.00} High Balance {$28000.00} XX/XX/XXXX 2 ) XXXX XXXX {$0.00} 09/19/2012 3 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 4 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 5 ) XXXX {$0.00} XX/XX/XXXX 6 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 7 ) XXXX XXXX XXXX   {$0.00} XX/XX/XXXX 8 ) XXXX XXXX XXXX {$0.00} XX/XX/XXXX 9 ) XXXX XXXX {$0.00} XX/XX/XXXX 10 ) XXXX XXXX {$0.00} XX/XX/XXXX 11 ) XXXX XXXX {$0.00} XX/XX/XXXX 12 ) XXXX XXXX   {$0.00} XX/XX/XXXX 13 ) XXXX {$0.00} XX/XX/XXXX 14 ) XXXX {$0.00} XX/XX/XXXX 15 ) XXXX {$0.00} XX/XX/XXXX 16 ) Bankruptcy Reference Chapt XXXX  # XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank reported that the account was past due ON THE DATE that I made the past due amount ( which technically the payment was scheduled beforehand ) - X/18/2018. The fact that they reported this after or on the day that the account was no longer delinquent expresses vast incompetence on their part and an intentional yet destructive abuse of the reporting system. 

If Synchrony does n't reverse this, I will seek damages as a result of their false reporting. I also know of other members who have reported the same issue with this bank and we are collectively in the beginning stages of considering a class action lawsuit. Cardmembers take false information very seriously, and it will not be tolerated, no matter who you are or what you represent. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, XXXX I contacted TransUnion about the following negative accounts XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00}, Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXXXXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$0.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.