23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted through certified mail police report, FTC fraud affidavit and documents needed to Transunion credit bureau to remove fraudulent items from my credit report these documents arrived on XX/XX/2020 with certified mail receipt and according to the federal law they have four days to remove and block this information from my credit. Today XX/XX/2020 I spoke with a supervisor at transunion. She explained to me that they received my documentation and that they will not remove or block the information from my account. I explained to her that I had spoken with the federal trade commision and sent them the needed documentation. She replied sorry I cant do anything.
Product: Credit card or prepaid card

In early XXXX, I noticed a 15 % cash back offer, up to {$100.00} maximum on my Chase Freedom Unlimited Card for XXXX XXXX XXXX XXXX. I was excited since I wanted to book a hotel for a vacation and with this offer, the hotel I wanted was the cheapest by far. I booked the hotel, the XXXX XXXX XXXX ( a XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, with the intention of getting the cash back offer that expired on XX/XX/XXXX. I thought all was well until the charge was posted on XX/XX/XXXX or XX/XX/XXXX and I didn't receive any news of any cash back, thus I called Chase a few days after ( on around XX/XX/XXXX ) to escalate a complaint to check that I should be getting my cash back. Today, on XX/XX/XXXX, I was informed that a letter was sent on XXXX informing me that the offer was not applicable since the charge posted on XX/XX/XXXX, which is past the deadline of XX/XX/XXXX, of which I have NO control over ( and I booked it on XX/XX/XXXX - well in advance of any XXXX hour holding periods ), and nobody was able to help me get the cash back offer I am entitled to. I even had another offer, activated a few days after the original one expired, expiring on XX/XX/XXXX, for 10 % cash back at XXXX XXXX, up to a maximum of {$100.00}. This offer also did not apply. Either way, I am out of the cash back I was promised and would have booked another hotel if I had known that I wouldn't be receiving any cash back from Chase, even though I made the transaction WELL before the expiration date of XX/XX/XXXX and definitely well before the second offer expiration date of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX, XXXX. XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$880.00}, XXXX XXXXXXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX XXXX XXXX DATE OPENED XXXX : {$0.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE : {$0.00}, XXXX - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}, and XXXX XXXX XXXXXXXX XXXX Open Date XX/XX/XXXX Balance {>= $1,000,000}.
Product: Credit card or prepaid card

Received a reward gift card for my birthday from my mother in law in XX/XX/XXXX. I had not attempted to use it/activate it until XX/XX/XXXX. I did not realize there was a valid through date on the card. It was only valued at {$21.00} because of expired monthly fees. I was even more shocked to find a {$15.00} to re-issue a new card with valid thru date.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal dispute for multiple inaccuracies and Metro 2 compliance violations on my credit report. The following accounts contain significant discrepancies that misrepresent my financial profile and violate Metro 2 standards. I am requesting an immediate investigation and correction. 
XXXX. Account : XXXX  XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX  XXXX Issues Identified : o Late Payment Reporting : This account shows multiple late payment entries marked as 90 days past due with conflicting update dates ( XX/XX/XXXX, XX/XX/XXXX, etc. ). The inconsistency in reporting late payments does not align with Metro 2 standards for accuracy. 
XXXX  High Balance Reporting : The high balance is inconsistently reported as {$520.00} across the bureaus. Uniformity is required for compliance. 
o Dispute Remarks : Comments vary across bureaus, with XXXX stating Credit card Amount in XXXX column is credit limit, Experian noting Account was in dispute - now resolved by subscriber, and XXXX indicating Dispute resolved; reported by grantor. These conflicting comments create confusion and fail to meet Metro 2 standards for clarity. 
XXXX. Account : XXXX  XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX XXXX XXXX  Issues Identified : o Account Status and Late Payment Reporting : This account shows multiple late payment entries that are inconsistent across bureaus, with different update dates and 90-day late payment entries. The discrepancies fail to provide a clear and accurate payment history. 
XXXX  High Balance Reporting : XXXX lists the high balance as {$350.00}, while XXXX reports {$370.00}. Such inconsistencies violate Metro 2 compliance standards. 
o Dispute Comments : XXXX states Consumer disputes this information Credit card, while Experian and XXXX have different remarks. This lack of uniformity causes a misleading representation of my credit report. 
XXXX. Account : XXXX XXXX - [ Account Number : XXXX ] Data Furnisher : XXXX XXXX  Issues Identified : o Account Status and Closure Date : The account is reported as Closed across all bureaus, but with differing closure dates ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, and XXXX : XX/XX/XXXX ). This inconsistency violates Metro 2 standards for uniformity in reporting. 
XXXX  High Balance Reporting : XXXX reports a high balance of {$1300.00}, while XXXX lists {$730.00}. Discrepancies in high balance reporting create a misleading record. 
o Comments and Dispute Remarks : Each bureau has differing comments regarding the account 's closure, such as Closed or paid account/XXXX  balance on XXXX, Account has been closed due to inactivity on Experian, and Canceled by credit grantor on XXXX. These inconsistent remarks fail to meet Metro 2 standards for clarity and uniformity.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion wrote me a letter stating they wont reinvestigate my dispute for Account Name : XXXX XXXX XXXX XXXX Number XXXX saying that it was verified but how is it verified when the Account numbers, Dates Open, Dates last active, Payment Status and Account status are different on each credit report according to the law 15 U.S.C 1681 Section 602 A States that I have the rights to privacy And law 15 U.S.C 1681 Section 604 A Section 2 Also states that a consumer reporting agency can not furnish an account without my written instructions And I never gave TransUnion my permission nor written consent to furnish this account I want to know how was it possible for me to be the owner of this account and I was incarcerated until the summer of XX/XX/2022 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equfax : Is reporting a acct on my report with inaccurate information and the account should not be on my report at all XXXX XXXXXXXX XXXX WAS NOT INCLUDED IN XXXX XXXX BANKRUPTCY-I NEVER INCLUDED MY MORTGAGE IN ANY BANKRUPTCY AND THEY WERE NOTIFIED BACK IN 2020 VIA LETTER AND IT WAS DELETED BUT NOW SHOWING UP AGAIN WITH STATUS INCLUDED IN BANKRUPTCY 2ND THIS ACOUNT DOES NOT REPORT TOMTHE CREDIT BUREAU, SIGNED DOCUMENTS DURING BANKRUPTCY WERE SIGNED BETWEEN MYSELF AND SERVISOR XXXX XXXX THST THEY WOULD NOT REPORT EVER AGAIN THEY DONT REPORT, EQUIFAX IS REPORTING AND WRONG INFO AT THAT
Product: Checking or savings account

My account has been put on hold and i was mentioned that it is under investigation and it is going to be suspended. 

I asked for what documents i need to provide to make the process smooth and faster. 

And i dont recieve any update from the company and my amount is not given back to sources
Product: Credit reporting or other personal consumer reports

I moved out of my apartment XX/XX/XXXX because I had a non renewal with the property however I was never evicted and I never went to court for the eviction. The apartment complex was paid the balance is full XX/XX/XXXX. Every time I go to apply for apartments for me and my children I am denied be a they are saying it shows that I was evicted even after I show them the letter stating I was paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft as a result of a recent data breach. Due to this incident, two fraudulent bankruptcy filings have appeared on my credit report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 USC 1681c-2 ( a ), I am formally requesting that you immediately block and delete the following bankruptcy entries from my credit file : Fraudulent Bankruptcy Entries : XXXX. Bankruptcy XXXX XXXX : XXXX Date Filed : XX/XX/year> Balance : {$0.00} XXXX. Bankruptcy XXXX XXXX : XXXX Date Filed : XX/XX/year> Balance : {$0.00}
Product: Vehicle loan or lease

In the beginning of XXXX of 2018 I sold my XXXX which was leased through gm financial. The vehicle was paid in full and I had a XXXX  balance on the account. On the XXXX of XXXX they took an additional {$340.00}. I called gm financial and they said it was an error and I would receive a check in the mail. The said they would discontinue the payments being taken out of my account. I never received a check. Now again on the XXXX of XXXX of 2018 they took another payment for {$340.00}. They are taking my money now without my authorization. Please help me get my money back this is fraudulent what they are doing. I have other bills that Im unable to pay because they take the money out of my account without any authorization.
Product: Checking or savings account

On XXXX I received a notification that a check had cleared on my account for {$9400.00}. After researching this transaction, it was determined that a check I had written and mailed via the post office for {$79.00}, was washed and re-written for {$9400.00}. 
The individual took the check to another Truist Location, opened up and account and mobile deposited the fraudulent check. I contacted my back immediately, filed a police report and signed the affidavits provided by my the bank. I was was told initially that the bank would apply a provisional credit on my account within 10-14 days. 
I contacted the bank of XXXX and they are now telling me that it would be 90 before the money will be returned to me due to the back log. This is unacceptable. This is an obvious case of fraud, the bank has agreed, and they told me the funds were placed on hold and not given to the customer. If the funds were not dispersed to the fraudster, then why have they not been returned to me. I contacted several other banks today, and they all said best practices is 10-14 days standard on fraud claims. I can not wait 90 for the funds to be returned, I have bills to pay. I have been a BBT/Truist customer for years. I have multiple business loans and accounts with your bank. Please assist me in getting this situation resolved. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed this XXXX XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. The account has been closed however, the account payment status is late. The account payment status CAN NOT be late on an account that has already been closed. The account status is wrong and should be closed. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I want you to correct this misinformation on my file. 

XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly on light of the recent CFOB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I am wrote to Nelnet to request consideration in removing a late payment from my credit report associated with my student loan account. The late payment in question occurred in XX/XX/XXXX with a 90 day late payment out of the blue and another 90 day late payment in XXXX, XXXX with no 30 day or 60 day. This is inaccurate reporting. I have sent a copy of this letter to the credit bureaus and also to Nelnet asking to correct this error. 
I am currently aiming to achieve the goal of purchasing my first home. Unfortunately, the presence of this late payment on my credit report is hindering my ability to qualify for the most favorable mortgage rates. 
Therefore, I kindly requested that Nelnet consider removing this late payment from my credit report because it is an error and not accurate. I have consistently demonstrated responsible financial behavior, and removing this mark would significantly improve my credit score and allow me to pursue my goal of homeownership. 
Thank you for your time and consideration.
Product: Debt collection

Central Credit Services, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX sent me a debt collection letter for XXXX & XXXX XXXX XXXX XXXX, balance of {$170.00}. This was an erroneous charge of {$140.00} on XXXX/XXXX/2016, on my XXXX XXXX XXXX XXXX credit card, which I contested as a fraud dispute with XXXX XXXX XXXX on XXXX/XXXX/2016, and I cancelled that card. XXXX XXXX XXXX issued me a Visa card with a new number, which has had no erroneous charges since that time.
Product: Debt collection

My Chapter XXXX was paid in full and discharged in XX/XX/2018 the discharge included my student loan totally {$7400.00}. XX/XX/2018 I received notice from XXXX XXXX I had a late payment show up 90 days past due. I reviewed and it was NELNET for a student loan.I called NELNET and was told is was for non-payment of my student loan. I explained to them the debit paid in full and included in my Chapter XXXX bankruptcy discharge. I uploaded a copy of the discharge to their website over 2 weeks ago and no one has responded or corrected the negative credit reporting. I just received notice that they are reporting it 150 days past due now. I do not know what else to do to resolve this matter. It's having a negative impact on my credit and the debit was paid in full. They made no attempts to contact me and I learned of the negative reporting by XXXX XXXX. If something is in question or being investigated I would think they would hold reporting anything negative until the matter was reviewed. Do we not as consumers have rights? Guilty until proven innocent.
Product: Credit reporting or other personal consumer reports

I've been dealing with this issue since last year XXXX. I am a victim of XXXX XXXX. There is information that on my consumer report that is a result of XXXX XXXX. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with platform. Despite using Zelle, numerous of times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds impossible and that tracking these transactions was unfeasible. The CFPBs finding indicates that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving XXXX users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXETER FINANCE COMPANY Mailing Address Exeter Finance XXXX XXXX XXXX XXXX, TX XXXX Exeter Finance Payment Processing XXXX XXXX XXXX XXXX, TX XXXX Email Address XXXX XXXX XXXX  Customer Service Hours Mon. Thu. XXXX XXXX XXXX XXXX ( CST ) Fri. XXXX XXXX XXXX XXXX ( CST ) Sat. XXXX XXXX XXXX XXXX ( CST ) Customer Service Phone ( XXXX ) XXXX COMPARISON OF EXETER FINANCE AND XXXX XXXX STATEMENTS EXETER BANK DATE PAID XX/XX/XXXX extension XX/XX/XXXXOK XX/XX/XXXX OK XX/XX/XXXX extension XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ONTIME!! **XX/XX/XXXX ( credit report states late 30 days late should be OK ) paid {$500.00} XX/XX/XXXX XX/XX/XXXX extension ( credit report states late 30 days should be OK ) XX/XX/XXXX OK ( correct ) XX/XX/XXXX OK ( correct ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$970.00} for XX/XX/XXXX. and XX/XX/XXXX ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} )XX/XX/XXXX ONTIME!! ** XX/XX/XXXX( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXX ONTIME!! **XX/XX/XXXXEXTENSION GIVEN!! ( 30 days late per XXXX credit report ) ONTIME!! ** XX/XX/XXXX ( 30 days late paid {$500.00} ) XX/XX/XXXXPer these figures and facts, there are 13 wrong 30 DAYS LATE per the credit report!!
Only 7 of the '30 DAYS LATE are actually correct. 11 are incorrect by stating 30 days late!! Considering these mistakes, how many other mistakes do you think are made??
Per phone call these are the EXTENSIONS GIVEN : XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXXand XX/XX/XXXX
Product: Vehicle loan or lease

Complaint Against Westlake Financial for Misrepresentation of Reinstatement Terms and Improper Repo Fee Charges On XX/XX/year>, my vehicle was repossessed by Westlake Financial due to late payments. I contacted them to reinstate my vehicle and was quoted a total of {$840.00}, which included the following breakdown : {$290.00} in overdue payments. 

{$22.00} in late fees. 

{$520.00} for repossession fees. 


When I explained that I couldnt afford this amount, Westlake adjusted the reinstatement terms and told me I could pay {$340.00} to recover my car. This breakdown included : {$290.00} in overdue payments. 

{$22.00} in late fees. 

{$25.00} for repossession fees. 


I paid the {$340.00} in full on XX/XX/year> and retrieved my vehicle. At the time, I was led to believe this payment satisfied all outstanding amounts related to the repossession. 

However, when I recently logged into my Westlake Financial account, I noticed a {$900.00} charge for repossession fees. Westlake claims this fee was billed by the repossession company XXXX XXXX XXXX. They did not disclose I would be billed in the future during the reinstatement process. 

I have a XXXX that limits my ability to work and earn a steady income. The unexpected {$900.00} charge causes a significant financial hardship. 

Westlake Financial misrepresented the total reinstatement amount by failing to disclose additional repossession fees that would be added later. 

The sudden imposition of a {$900.00} charge after I acted in good faith to reinstate my loan and recover my car is misleading and unfair.