23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Per my credit card agreement, I am seeking arbitration because Wells Fargo Bank , National Association ( FDIC CERT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX www.wellsfargo.com refuses to correct a billing dispute on my bank statement. I formally request from the credit card issuer, merchant, and merchants bank the business opportunity disclosures required by FTC Federal Trade Commission, Rule 16 C.F.R. Part 437 & 15 U.S.C. 41-58. and the Earnings claim statement required by law. The Commission has extensive law enforcement experience challenging misleading earnings claims under section 5 of the FTC Act, 15 U.S.C. 45 I was never issued an earnings claim statment nor a business opportunity disclosure. This begs the question of the legitimacy of the merchant and the reputation of the merchant 's bank not knowing their customer 's business and not proactively protecting the market from financial crimes and reducing the risk of fraud with proper screening and diligence. Per the Internet Crime Complaint Center, I request a recall and a hold harmless letter from WellsFargo. 

Pursuant to XXXX chargeback reason codes and XXXX XXXX Codes. XXXX Misrepresentation. This code applies when the goods or services are not as advertised or described, leading to the cardholder feeling deceived This applies when the merchant 's advertising or sales materials significantly misrepresent the product or service, deceiving the cardholder. This could include false claims about quality, features, or benefits. XXXX Services Not As Described, this code is used when the received goods or services do not match the agreed-upon terms or quality. XXXX Services Not Received. This code is applicable when the cardholder did not receive the goods or services they paid for. This applies when the cardholder did not receive the goods or services they paid for at all. This could be due to non-delivery, order cancellation, or service failure. According to XXXX and XXXX 's terms of service, card issuers encourage merchants to maintain high ethical standards and comply with XXXX and XXXX 's rules and regulations.
Product: Credit reporting

I have XXXX XXXX accounts on credit report that is not mines and I have attached a letter from bank asking for them to be removed.
Product: Credit card or prepaid card

This is continuation of former complaint ( # XXXX ) which XXXX XXXX  has not fully resolved as they indicated they would! The real issue started with XXXX when I ordered 3 pair of shorts and returned them the next day as I was not satisfied with the quality. I was billed {$27.00} on XX/XX/18, returned them on XX/XX/18 using their shipping label. They credited me for 2 pair {$18.00} and charged me XXXX instead of crediting me {$9.00} for 3rd pair. Since I did not make a payment as I had returned the shorts they charged me a late fee of {$21.00}. I went on their website and disputed the fact that there was an error on their part that they didnt credit me for 3rd pair of shorts and also called them on XX/XX/18. They told me I needed to pay for label so I paid {$9.00} which is what they said I owed and that they would credit the late fee and interest fee of {$21.00} on XX/XX/XXXX and XX/XX/XXXX but then charged me another late fee and interest of {$24.00} on XX/XX/XXXX! I called and emailed on their website and they said they were only allowed to cancel one time late fee and interest charges. And added another {$1.00} interest charge on XX/XX/18. I filed complaint with you, CFPB and they finally credited for 3rd pair of shorts and some of the late fees and interest for {$19.00}, still leaving a balance of {$16.00} of fees and interest, I called to file dispute with them and they sent a form letter indicating the charges will remain on my card!!! I have been disputing these charges by phone, on their website email since XX/XX/XXXX and although they indicate on back of their statement that if they find they made an error I would not have to pay fees or interest accrued on the account they continue to charge me fees for merchandise I returned the first month I received them. So since it was their error from the start, I should not owe them anything at all! Please help. Im disgusted with the way they have handled this.
Product: Credit card or prepaid card

Opened an account for an Amazon credit card through Chase Bank in XX/XX/XXXX. Rarely used the card and closed the account in XX/XX/XXXX via phone. Found out beginning of XX/XX/XXXX that account was never closed AND that Chase had charged Amazon account fees against the card. Over the course of the next year I had at least 3 email and 3 phone conversations with Chase representatives after which in ALL cases they said the account would be closed and that the debt would be removed. 

Have since found out after checking credit reports that they only closed the account after charging significant additional fees and that they have attached that information to my credit report. 

Any purchases after XX/XX/XXXX were not authorized as the account was closed and any fees, fines, interest are fraudulently attached to me. In addition any reporting of such negative items are fraudulent reported to credit agencies. 

I no longer have the credit card number as it was over 2 years ago that the account was closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown items on my credit report. To this day, it's been over 60 days later and I haven't received a response yet. I feel as if I've been taken advantage of and being ignored of my disputes. Section611 ( a ) states that a failure to investigate these items within 30 days gives just cause to immediately remove those items from my credit report. it has been over 60 days and those items need to be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX Data Breach and that may have gotten in the wrong person 's hands
Product: Debt collection

In XXXX I defaulted on a storage unit and the debt of XXXX. The sold the debt to AWA collection when they proceed to put a balance of XXXX on my credit report. I wasnt aware of this until XXXX. I contacted AWA and the claimed is was the correct amount and refused to change it. I then get paperwork from the storage unit with the correct amount owed and email it to AWA and they still refused to change it to the correct amount. So I disputed the amount on several credit burial sites and a few of them finally removed the balance. After which AWA adds a new balance of XXXX to my credit report. So I had two different balances for one debt owed on my credit report. Ive continued to dispute these amounts and now AWA decreases and increases the debt amount by 1 dollar a ever two or three weeks and cause my score to drop by 24 points each time. They are purposely trying to ruin my score because they want me to pay more then whats owed to them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : Method Of Verification Request To whom it may concern, I have repeatedly requested that you investigate the accounts below and provide me with any documents to support your reporting. As of today, you still need to supply such documents. 

Accounts : XXXX. XXXX  - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX XXXX - XXXX ( Late Payment ) I am requesting, concerning FCRA 611 ( a ) ( 7 ) : A description of the procedure ( s ) used by your agency in my earlier disputes. 
All the information you used for your investigation, as FCRA 611 ( a ) ( 7 ) required.

Written proof that you forwarded all the relevant information in my earlier disputes to the creditor. FCRA 611 ( a ) ( 2 ) ( B ) If such information can not be provided within 30 business days, I demand the complete removal of the account from my credit report.

I am keeping careful records of our communications in case I must file a complaint to seek relief and monetary damages under the FCRA Sections 616 and 617. 

After you've completed your investigation, please send the results to me via mail. 

Please note I am sending this letter on my behalf and have included a copy of my ID to verify my identity. 

My information is as follows : Full Name : XXXX XXXX XXXX : XXXX Date Of Birth : XX/XX/year> Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Thank you for your time, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, and XXXX are reporting incorrect information on my credit report. I have tried to remedy this numerous times to the point of no avail. I do not believe that the credit reporting agencies are taking consumer complaints seriously. The account that I am demanding to be removed from my credit report is XXXXXXXX XXXX XXXXXXXX. I do not owe this company anything and I do not have an account with them. The original creditor that I have an agreement with is XXXX XXXXXXXX and I will attach the documents. Also, the amount that XXXXXXXX XXXX is reporting is not correct. I was never informed that this account was with a collection agency. I do believe that this account was re-aged and is reporting incorrectly. Please remove this account from my credit report due to inaccurate reporting and non-compliance with FCRA. Please see the attached dispute letters I have sent over 4 months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXIS NEXIS CONSUMER REPORT ( Consumer Number : XXXX Case Number : XXXX ) IS NOT TAKING OLD INFORMATION OFF MY REPORT AND ALSO HAVE WRONG NAMES, ADDRESS AND DATE OF BIRTH.
Product: Checking or savings account

I was sitting at home after coming back from a local XXXX XXXX store when I recieved an unauthorized charge on my debt card from XXXX XXXX XXXX in Tennessee for the amount of {$370.00} i called chase fraud number and they were closed this is unacceptable because i needed there help they didnt help assist me at all even after i spoke to a different person who told me to call back Tommorow i need this resolved now!
Product: Checking or savings account

I received an email to my personal email stating that a new checking account was opened with Bank of America. I do not have, nor have ever had, accounts with Bank of America. I did call Bank of America and obtained a fraud case number and they stated they have now closed the account. Reporting, because it seems a little too easy to open an account under my name without doing any further verifications to confirm my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX XXXX } { Credit Bureaus : ALL 3 } { XX/XX/XXXX RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX XXXX XXXX }, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX XXXX ] inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within XXXX business days of completing the investigation. Thank you for your assistance in this matter, { XXXX XXXX  }
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score has yoyo 's from low XXXX to upper XXXX 's without cause in XXXX and XXXX thus far. I have made on time payments for past three years on all debts and bills. I have paid off in full several lines of credit/loans. My income has increased steadily in this same period of time, my debts have been paid, or paid off, and initially saw my score climbing as one would expect. Then without cause or notice it plummeted back down to XXXX and low XXXX and has stayed there in spite of flawless financial performance and decreases in debt, and increases in income. I attempted to find out why this occurred and received no responses. In the span of last 12 months, my credit score has yoyo 'd by almost XXXX points, IN this same period, my wifes score, has steadily risen and remained high as one would expect given our efforts in bill payment and payoff of loans.. She has no income other than our shared income, nor debt other than our shared debts. I think I am being confused with someone else financial performance and inappropriately scored, which has a significant impact on my personal finances.
Product: Credit reporting or other personal consumer reports

To whom it may concern I am following this complaint once again because my rights are being violated, I have reached out to all three credit bureaus submitted several documents, certified mail and complaints to support my claim. The three bureaus conducted an investigation and the information came back, verified as fraudulent and was removed from my credit file and was supposed to been blocked. As of XX/XX/year> the information was added back to my credit file and has dropped my score XXXX points. I have reached out to these credit bureaus and also the vendor to get this situation resolved once again with no help, under 605B this information was supposed to be blocked and removed my from my credit file. I will be taking the next step to get justice.
Product: Mortgage

On XX/XX/2020 I received a delinquent tax notification from my township. After calling my township, I am told that my mortgage company ( MOVEMENT MORTGAGE ) never paid Quarter 2 taxes. I emailed the delinquent notice to Movement Mortgage ( received a receipt via email ), called Movement Mortgage and spoke to representatives on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each representative either reported a payment will be wired on XX/XX/XXXX ( never happened ) or we are looking into that. 

At this point, my taxes for two quarters have not been paid. My mortgage payments have been made on time and my escrow account has enough money to cover the taxes. 

There are also penalties that I should not be responsible for paying. 

I appreciate assistance in this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has entered a error amount on my credit report on behalf of XXXX XXXX. I submitted documentation from when I moved by courts order from residency however the original client is charging for months I had not occupied premises. I have asked for error to removed from my report as it is not accurate. I have called original creditor and offered to pay for the month I did occupy premises. I never get any response from XXXX and investigation is just closed and not corrected despite evidence of error in charges. Please, see attachment of court order from when I vacated, you will also find billing from XXXX XXXX past months I did not legally possess property. Please remove error from my credit report.
Product: Money transfer, virtual currency, or money service

I " invested '' {$7600.00} in XXXX, XXXX XXXX. My " investment '' went up to {$13000.00} On this date I tried to withdraw {$8000.00}. 
They required me to deposit {$2200.00} to cover taxes. 
" The tax needs to be paid by the user separately and can not be deducted from the account balance. '' " Since user funds are stored in the block chain we have no right to deduct any fundfs from users, so you need to pay sepqarately and the tax is a system audit. You need to pay taxes before withdrawing money back to your wallet. '' " Due to the special nature of cryptocurrency, it is easy tfr users to use it for tax evasion, so the profits earned from trading on the exchange are collected by the exchange, and submitted to the IRS, and then a tax 1099 document is issued to the user. ''
Product: Payday loan, title loan, or personal loan

On XX/XX/2023 I went in XXXX XXXX XXXX to get a dining set for my home. However, I did spot the dining set I was interested in the set was for {$730.00} and I was looking forward to finance the set. Unfortunately I was able to finance the set I was denied on the spot. I was just to inquiring about financing it and it did a hard it on my credit report. The financing was through Wells Fargo Bank for the furniture.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please help! I feel like my consumer rights have been violated and I have incurred damages as a result. This is my last effort to get help before seeking the advice of an attorney and suing in court. 

I am a XXXX and attempting to purchase a home. I had a student loan charge off several years ago ; that I am working on settling. The mortgage company and several of my creditors have denied me loans/credit because they are stating that according to TransUnion ( XXXX and XXXX have it correct ) they are reporting that the charged off account has a monthly payment of {$41000.00} per month x 235 months and thus puts my monthly debt to income ration off. However, the entire balance was {$41000.00} and the monthly payment was {$220.00}. 

I disputed this with TransUnion now 4 times and have spent hours on the phone with no resolution. TransUnion tells me that they are not reporting {$41000.00} per month. However, when they sent me the investigation results it clearly shows the terms they are reporting. Please see attached. 

I contacted XXXX XXXX the owner of the account and was advised that they are not reporting a monthly payment of {$41000.00}. I don't know what else to do! I am unable to purchase a home or get lines of credit due to this error. 

Please see the attached document from TransUnion and advise me on my rights. 

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

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXCC XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NOT ATTEMPTED TO APPLY FOR ANY TYPE OF CREDIT FROM XX/XX/XXXX TO XX/XX/XXXX. I HAVE MULTIPLE HARD INQUIRIES WITHIN THIS TIME FRAME WITH TRANSUNION XXXX OF XXXX. I CONTACTED TRANSUNION MULTIPLE TIMES REQUESTED TO HAVE THE HARD INQUIRIES REMOVED BUT I WAS INFORMED THAT BY TRANSUNION THAT THEY HAVE TO BE REMOVED BY THE COMPANY THAT MADE THE HARD INQUIRY. I HAVE SPOKEN TO MULTIPLE PEOPLE AT THE TRANSUNION AND THEY WILL NOT RESOLVE THIS ISSUE. 
I CALLED XXXX XXXX  WHICH IS ONE OF THE CREDIT COMPANIES THAT MADE A HARD INQUIRY AND THEY DENIED ATTEMPTING TO REMOVE THE HARD INQUIRY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2020, I have been notified by 2 mortgage companies when applying for a loan that Experian is not allowing access to my credit files. In working online on their website, it is impossible to contact them except by phone or mail -- no online contact. In using the phone, no matter which number I call and which option I choose, I always get a robo-answer as to what services are available, then a curt 'Goodbye '. Can not get any further by using their phone option. 
At some time in the past, I asked for and received a " CreditLock ''  on my files -- differing from a " Credit Freeze '' -- this is what is causing my problem. I need to lift the CreditLock but am unable to access their system using their online instructions to contact by phone. 
Twice now, I have had problems with mortgage banks trying to access my credit information and now have been denied a refinance opportunity by XXXX XXXX XXXX XXXX due to the inability to get to the Experian information. 
Experian will not let me delete the CreditLock by following THEIR instructions. 
Need some help from them, please.
Product: Debt collection

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-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 have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received notice from the Alaska XXXX XXXX XXXX XXXX ( XXXX ) in behalf of my mother ( ageXXXX, I'm her daughter with POA ) and attempted to request a credit report in her behalf from all three companies that they provided ( Experian, XXXX, and XXXX   ) did not receive any ( typical POA problem I suppose ). I also request the same three request for myself and had my husband do the same. 

The XXXX never received for us. the Experian report had incorrect last name and the information on both reports overlapped with some other individual. I called on mine, and all they did was correct the misspelled last name and did not make any comment about the rest of the overlapping information or volunteer to send out a corrected report. 

I am now filing a complaint that this Credit Reporting Company "  Experian '' should not be relied upon.