23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Wells Fargo solicited an application for a Home Rebate credit card. The employee who solicited the additional business from us misrepresented the terms of the card. 

He clearly and repeatedly said that the card came with a {$0.00} balance transfer fee, and confirmed it in response to my written question. Here is a chronology of his contact with us. I have the complete records in my files. 

Wells Fargo credit card offer timeline XXXX XXXX, 2013 - Husband receives a call from employee in the XXXX office. [ We had never heard of him and had not been in contact with anyone about the matters he wanted to discuss. ] He reviews our current business and says he has a good offer that will save us money : Among an assortment of several other dubious offers, he said that we could transfer a portion of our HELOC to a new " Home Rebate Credit Card, '' for which we are prequalified because we are " such great customers. '' The credit card will be 0 % interest for 12 months. 

Husband says to call me ( wife ). 

XXXX XXXX, 2013 - After I turned down the other offers the employee offered a " Home Rebate Credit Card '' that will rebate a certain amount of cash against our home mortgage. The interest rate on the card would be 0 % for twelve months. I asked about the balance transfer fee. He said it is {$0.00}. 

He then asks about our retirement fund assets and proposes that we bring our statements in for a review. 

I ask to see the credit card terms in writing. He says he will email them. 

He sends an email requesting certain documentation for the credit card application ( which I donot send but he finds the information within Wells Fargo 's own records ) and including a credit card disclosure statement. The disclosure says that there is a balance transfer fee of 3 %. I emailed XXXX questioning the discrepancy between the {$0.00} fee he represented and the 3 % balance transfer fee in the disclosure statement. 

XXXX XXXX, 2013 - He emails back that the fee is {$0.00}, which he writes, " was in the offer and will be in the disclosures that are being mailed to you. '' I still did n't see the XXXX balance transfer fee in what he sent, but decided to wait and see what the disclosure that comes with the card will say. 

A week or so later - The card arrives. Not only is the balance transfer fee not {$0.00}, it is 4 % -- higher than the 3 % in the disclosure that was sent. I made several calls to Wells Fargo to inquire about the discrepancy and was informed that there were no 0 % balance transfer fee offers and that I must have misunderstood. 

In the end I made a huge fuss, wrote to the manager and cc 'd XXXX XXXX, among others and received " an exception '' to allow me a 0 % balance transfer. My problem was solved, but I wonder if similar misrepresentations were made to others.
Product: Mortgage

We filed multiple disputes regarding XXXX XXXX XXXX XXXX, our original lender and M & T Bank, the bank that acquired both XXXX and our loan on XX/XX/XXXX M & T 's XX/XX/XXXX letter was non-responsive. They have no addressed concerns or fixed the mortgage errors I sent M & T a letter directly disputing their XX/XX/XXXX Letter
Product: Credit reporting or other personal consumer reports

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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual.

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes. 

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision. 

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated. 
My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XXXX XXXX  # XXXX YOU ARE NOT reporting 100 % correctly. You are violating FCRA. DELETE the late payments on my payment history ASAP. 

SEE PICTURES UPLOADED
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these items. [ accounts/items ] XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$7400.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXX XXXX Bankruptcy Reference # XXXX Date XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX : {$1800.00} XXXX XXXX Balance : {$25000.00} XXXX  XXXX Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX XXXX AUTO XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I cancelled my service with XXXX yet was still charged for it on my Pennfed Credit card. I called XXXX XXXX radio and was promised a refund, but never received it. I then disputed it with Pennfed. I both emailed back and forth with customer service and mailed the form. However, they claim it was never received and would not help me resolve the matter. In this day and age it is absurd that only snail mail is accepted, but that is another issue. I did my part and should have received the protection from Pennfed regarding my dispute. I had a credit line of XXXX. I never paid late. I am/was a great, reliable, trustworthy member. And I was treated with disrespect and offered no recourse for the bogus charge. So, I choose not to pay it was not authorized by me. Now Pennfed has charged fees, on top of fees and reported the negative account on my credit reports as expected. However, I am asking for your assistance in resolving this matter as I do not owe them anything. They should have disputed the charge on my behalf as indicated on my statements.
Product: Credit reporting or other personal consumer reports

My informaton was exposed in a data breach and there is inaccurate accounts information on my report.
Product: Credit reporting or other personal consumer reports

I became a victim of identity theft and discovered fraudulent accounts on my Experian credit report. On XX/XX/year>, I submitted a dispute to Experian, along with a police report, an identity theft affidavit, and all required documentation, as mandated by the Fair Credit Reporting Act ( FCRA ) and the California Consumer Credit Reporting Agencies Act ( CCCRAA ) ( California Civil Code 1785.16 ). Despite following the proper process, Experian failed to remove or block the fraudulent information. 

According to California Civil Code 1785.16 ( k ), Experian was legally obligated to block the disputed accounts within 30 days. Furthermore, under California Civil Code 1785.25 ( a ), Experian is required to avoid reporting information they know or should know is inaccurate. However, the fraudulent accounts remained on my credit report, resulting in significant harm. 

On XX/XX/year>, I lost a job opportunity because my employer relied on an inaccurate credit report containing the fraudulent information. This failure to act has caused both financial harm and emotional distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Bankruptcy # XXXX and Bankruptcy # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the rights to privacy.

15 U.S.C. 1681 section 604 A section : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint in XXXX CFPB # XXXX for XXXX XXXX trying to collect a debt that does not belong to me. They responded to the complaint that they would remove from my credit report but it is still being reported.
Product: Credit reporting

I recently sent in a request to have some incorrect information removed from my credit report and it was sent back to me without any change, and as verified accurate. 
The CRA is inaccurately reporting information on my accounts. After doing some research on what my next move should be I was able to find some information that told me the " requirements of the FCRA, Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. '' I have disputed the following with the CRA and they returned it as verified, even though they are obviously inaccurate. I dispute these items in their entirety and request evidentiary documentation that substantiates the information they have furnished and its reporting. If the CRA determine any listed entry as " previously investigated '', I demand the full method of your verification including the employee name, company address, and phone number for each entity that furnished the erroneous data. 

XXXX .... 
This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 56 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting as term of 80 months it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a repossession, it was not, please fix or delete XXXX XXXX XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete XXXX - XXXX This account is being reported open in XX/XX/XXXX, it was not, please fix or delete This account is being reported late, it was never late, please fix or delete This account is reporting a high balance of XXXX it was not, please fix or delete This account is reporting as credit limit of XXXX it was not, please fix or delete This account is reporting as a charge off, it was not, please fix or delete Should they not be able or willing to provide me with the substantiating documentation as verification to cure these violations, within the next 30 days. Then I will use the filing of this complaint and the associated answer to file suit seeking relief for the violations of the FRCA. XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my frustration and disappointment regarding the numerous attempts I have made to correct a persistently late open account with your company. Despite my continuous efforts to address this matter, the issue remains unresolved, causing significant inconvenience and dissatisfaction.

I would like to bring to your attention the following instances where I have sought to rectify the late open account : Despite these repeated efforts on my part, the late open account issue persists, and I have yet to receive a satisfactory resolution. This situation has not only caused me considerable stress but has also adversely affected my perception of your company 's commitment to customer satisfaction.

I understand that mistakes can occur, and I am willing to work together to find a solution to this matter promptly. However, the lack of responsiveness and resolution is unacceptable. I kindly request that you investigate this matter thoroughly and provide a comprehensive response outlining the steps your company will take to rectify the late open account.

If this matter is not addressed satisfactorily within the specified timeframe from the date of this letter, I may have no choice but to explore alternative avenues, including lodging a formal complaint with relevant consumer protection agencies and seeking legal advice. I am asking for your assistance to correct this late open account in my credit file : OFFICE OF THE ATTY GEN XXXX  Balance : {$74000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Adjustment for missed payments To whom it may concern I have been a XXXX  XXXX Auto Finance customer since XX/XX/2023 and during that time, I have enjoyed my experience greatly. I am writing to request you be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have one late payment on an XXXX XXXX ( account # XXXX, 30 day past due payment in XXXX. I have had an exceptional payment history and have not had a single missed payment on my XXXX XXXX account since this time.Because of my otherwise exceptional payment history over the last year, I would like you to please consider removing the negative payments from my credit report. I recently experienced a temporary setback that resulted in a late payment on my auto loan account. I understand the importance of maintaining a positive payment history and regret any inconvenience or concern this may have caused.I say that not to justify why the payment was late, but rather to show that the late payments are not a good indicator of my actual historical credit worthiness. I assure you that this late payment was an isolated incident and not reflective of my typical financial behavior. Prior to this occurrence, I have consistently made on-time payments on my account. I am committed to maintaining a positive credit profile and take pride in managing my finances responsibly. I hope that XXXX XXXX is willing to work with me on erasing these marks from my credit reports. 

My wife and I are currently in the process of buying our first home, and these late payments are the only detrimental items currently reflected on my credit report. I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. I have been a very happy customer in the past and hope to continue a long relationship with XXXX XXXX. With todays credit industry so competitive, I know how important it is to maintain good relationships with customers. XXXX XXXX has been exceptional in my book so far and I highly recommend it to all my friends and relatives. I hope that you will deeply consider my request and prove once again, why XXXX XXXX is heads above the rest. I look forward to your reply. 

I kindly request that you consider removing the late payment from my credit report as a gesture of goodwill. Doing so would greatly benefit my creditworthiness and allow me to continue building a solid financial foundation. 

Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The new loan servicer is unable and incompetent at locating payments I've made. 

I made my XX/XX/XXXX payment on XX/XX/XXXX and XX/XX/XXXX through the Marcus App and neither Marcus nor the new loan servicer can find the payment. I am not paying again for XXXX when I've already made the XXXX payment. I've called the last five days and both aren't able to do anything. I'm not making another XXXX payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed this account and submitted an FTC report for this fraudulent account. The company keeps changing their name as well. I need this account deleted. I did not apply for it.
Product: Credit card

I am writing to file a complaint regarding a refund issue concerning my Chase credit card account. On XX/XX/2023, I used my Chase credit card to purchase an XXXX airline ticket. However, later that month, I closed the credit card account. 

In XX/XX/2023, I had to cancel my XXXX airline ticket, and the refund was processed back to the same closed Chase credit card. The refund, totaling {$1500.00}, was processed by XXXX on XX/XX/2023. 

Despite the refund being processed by XXXX XXXX, I have yet to receive the refund from Chase. I have been in contact with both the airline and Chase bank, but I seem to be going in circles without any resolution. 

After spending considerable time discussing the matter with Chase, they acknowledged that instead of a standard closure, my account appears to have been expunged. This has caused significant confusion and inconvenience to me. 

The main issue stems from the refund processed by XXXX XXXX on XX/XX/2023. Despite my efforts to resolve the matter, I have not received the refund or any clarification regarding its status from Chase. 

XXXX XXXX has confirmed that the refund was successfully processed on their end.