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

I had a vehicle with XXXX XXXX XXXX. On XX/XX/XXXX the vehicle was picked up from my residence as agreed between myself and XXXX XXXX ( owner of XXXX XXXX XXXX ). Months passed and I noticed the account remained open with a rolling balance, as if I still had the vehicle and just did not pay each month. I disputed the account with Equifax. I received a document stating " This creditor has verified to our company that this account is reported correctly. This creditor has verified to our company that this account has not been closed. This company has verified that the balance is being reported correctly. '' All of which was incorrect. I confronted Mr. XXXX, he claimed he was not reporting that info, it was Equifax. He provided a letter stating he had possession of the vehicle and the balance was cleared. However, when provided to Equifax I received yet another letter stating as above.After 3 years of disputes, I finally submitted papers to court for the situation. On XX/XX/XXXX Mr. XXXX was served on behalf of XXXX XXXX XXXX. 3 days later my credit report was updated to reflect the information I had disputed for 3 years. A fair and accurate investigation was NOT completed and a blatant violation of my rights have occurred on behalf of Equifax and XXXX XXXX XXXX. Even with documentation showing the possession of the vehicle, letter from Mr. XXXX, License plate surrender form from DMV, etc. Nothing was done to correct the information.
Product: Credit card

I am being charged an unfair and excessive cancellation fee by Chase Travel, which is over ten times higher than the fee advertised by XXXX XXXX. I specifically chose to fly with XXXX XXXX because they advertise a maximum {$50.00} cancellation fee for flights ( {$30.00} if the flight originated from the XXXX ). However, I booked my XXXX XXXX XXXX through Chase Travel. 

When I attempted to change or cancel my flight, Chase Travel informed me that, per their fine print, the cancellation fee would be {$370.00}. My flight originated from the XXXX, and the advertised fee should have been {$30.00}, as per XXXX XXXX policy. Chase Travels charge is over 10 times the fee I expected based on XXXX XXXX advertising. XXXX XXXX refund and cancellation policy can be found here : [ XXXX XXXX Refund Policy ] ( XXXX XXXX XXXX ), and their conditions of carriage, which also reference cancellation fees, can be found here : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] ( XXXX XXXX XXXX ). 

As a consumer, I did not anticipate this significant discrepancy. Chase Travel 's fee structure was not clearly disclosed at the time of booking, and their practices are misleading and financially burdensome. Additionally, I have spent over 10 hours attempting to resolve this issue with Chase Travel, which has been incredibly frustrating and time-consuming. 

I believe Chase Travel is engaging in unfair practices by not aligning with the airlines publicly advertised fees or providing sufficient transparency during the booking process. 

I request a resolution to this issue, including a refund of the excessive fee and greater clarity in Chase Travel 's fee policies to prevent this from happening to other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy and included Carvant Financial. The company refuses to acknowledge that they are filed in bankruptcy has added their information to my credit report again as well as on in my tenant records. The company can no longer dispute the Chapter XXXX because they did not file it with the trustee and the company has to stop putting the charge back on my credit report. They have told the credit bureau that my claim about the bankruptcy is not true but the credit bureau will need to contact the US Bankruptcy Court to see if the  information is true and they have not done this, they only accepted what the car dealer has given them which is not true.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 also states that consumer reporting agencies can not furnish an account with my written instructions. Under 15 USCs 166B creditor may not treat a payment on a credit card account under an open account as late for any purpose. All creditors have been contacted no action has been taken. 

Accounts : Capital One - XXXXXXXX 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

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX - partial account number XXXX. ( Please see pages 2 and 3 of the  attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Money transfer, virtual currency, or money service

My husband was scammed. He was tricked by someone impersonating someone we know into sending them money {$1000.00} total ( two {$500.00} transactions ). The scammer hacked our friend 's XXXX account who posted a car for sale. We were quick to pay the money she asked as we trusted her.
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 XXXX XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Immediate Removal of Outdated Information from Credit Report and Compensation for Violations Dear XXXX XXXX XXXX and Equifax Information Services LLC , I am writing to request the immediate removal of outdated information regarding my account from my Equifax credit report dated XX/XX/XXXX . According to the Fair Credit Reporting Act ( FCRA ), negative information such as late payments or collections should not be reported for more than 7 years from the date of first delinquency.

The account in question is : XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Status : Paid and Closed Since the last activity on this account was in XX/XX/XXXX, it has been well over 7 years and this information should no longer appear on my credit report. I kindly request that both XXXX XXXX XXXX and Equifax investigate this matter and take the necessary steps to ensure this outdated information is removed from my credit report promptly.

In addition to the removal of this outdated information, I am seeking compensation for the violations of my rights under both state and federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and any applicable state consumer protection statutes. The continuous reporting of this outdated information has caused significant harm to my creditworthiness and financial well-being over an extended period.

Based on these violations and the harm caused, I am demanding compensation in the amount of {$10000.00}. This amount is intended to cover damages related to the negative impact on my credit report, financial distress, and any other related inconveniences.

Please confirm in writing that this correction has been made and provide details on the compensation for the violations incurred. If this matter is not resolved to my satisfaction, I will consider pursuing further legal action.

Thank you for your prompt attention to this matter. I look forward to your swift response. 

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

Upon reviewing my credit reports, LexisNexis and XXXX are showing a Bankruptcy that was reported fraudulently on my credit reports ( XXXX, XXXX and XXXX ). Upon receiving a letter from the United States Bankruptcy Court, clearly stating that they do not provide any information to the credit bureaus, therefore, reporting this is from a third party intel, as well as without consent of the consumer making it fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX removed my credit card from transunion and my score dropped XXXX points the credit card is still active, in good standing and currently reporting on all other credit bureaus. I called transunion on XX/XX/23 and they said I needed to contact XXXX XXXXXXXX if I wanted it added back I then called XXXX XXXX and they gave me intrusions on where to mail the request and what information to include in my letter I then sent the letter out that same day to XXXX XXXX asking them to add my credit card back to my transunion and I havent heard back about it I did a follow up call last week and no one could tell me anything I need this resolved swiftly
Product: Credit reporting, credit repair services, or other personal consumer reports

User of secured Master Card ( Credit card ) issued by XXXX XXXX XXXX on XX/XX/2017 and banker is XXXX XXXX XXXX  but unfortunately I am not been able to get my credit score. Contacted my bank and Card issuer and came to know that my account is being freeze by Credit reporting agency. Credit Card issuer not provided adequate support to resolve the issue only respond by generic letter which is vague. As part of my Initiative to resolve the issue I contacted XXXX XXXX and created a file XXXX. As per their requirement provided all the docs e.g. copy of Driving License, Copy of SSN, Copy of Bank Statements but without resolving the issue and without providing any reasonable explanation close my file by XXXX XXXX. Not showing helping attitude to resolve the issue, even not clearly mentioned which was the point of dispute. Hope the reporting agency will come forward to unfreeze my account that I can get Credit report.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

I have disputed with Equifax on several occasions advising that they have deleted my payment history for an account from 2007 for XXXX XXXX. I 've also contacted the creditor but was advised that I needed to contact the credit bureau as the creditor has reported the information correctly. I have check with the other major credit bureaus and they are still reporting the payment history for this account. Equifax is the only XXXX not reporting the payment history which is affecting my credit score. This is also happening on a plains credit account and cortrust. The history has disappeared.
Product: Debt collection

I do not owe money to XXXX XXXX XXXX
Product: Credit card or prepaid card

Chase credit card dispute in the amount of {$2400.00}. I disputed XXXX XXXXXXXX / XXXX XXXX charges with Chase dispute department that took place over a few days in XXXX XXXX I am disputing these charges as I cancelled in the proper timeframe and should be fully refunded. Chase dispute department did not perform a full investigation which would include recorded conversations with the XXXX XXXX XXXX XXXX They also failed to provide dates and times on the attached documents they sent me ( attached for your review ). 

When I spoke with an XXXX agent ( XXXX - XX/XX/XXXX ) at XXXX he told me the following : Case XXXX XXXXXXXX {$2400.00} this amount was refunded Date of travel for this case is XXXX XXXX XXXX Case XXXX XXXXXXXX {$1700.00} This is still pending in Accounting department of XXXX. No one was able to provide any update on this for me. 

When I spoke with Chase and asked what is the difference between Transaction Amount and Merchant Amount they weren't able to explain to me why there is a difference in amount. The case numbers that are in the attached - mailed by Chase do not match the case numbers that I noted above after speaking directly with XXXX XX/XX/XXXX. I am requesting the CFPBs assistance in recovering {$2400.00} owed based on my credit card statement. It seems XXXX charged me more than what XXXX charged. 

Thank you for your assistance! 
XXXX
Product: Credit reporting or other personal consumer reports

I am writing to report an incident of identity fraud that has occurred, leading to the closure and charge-off of my credit card account with XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX ). The account was opened on XX/XX/2015, and unfortunately, it fell victim to fraudulent activities. 

Details of the incident are as follows : Date of Opening : XX/XX/2015 Account Status : Charged Off The credit card had an initial limit of {$800.00}. Regrettably, the identity thief managed to exceed this limit, accumulating charges totaling {$2100.00}. Despite extensive efforts by the bank, they were unable to trace the specific transactions due to the intricate nature of the fraud, which involved multiple transfers between accounts. As a result, the bank took the necessary steps to close the compromised account and assured me that I would not be held liable for the fraudulent balance. 

However, the issue I am currently facing is that the closed and charged-off account is still appearing on my Experian credit report, potentially affecting my credit score. I kindly request your assistance in documenting this incident and liaising with Experian to rectify the inaccurate information on my credit report. 

Your prompt attention to this matter is greatly appreciated. If you require any additional information or if there are specific procedures I need to follow, please do not hesitate to inform me. 

Thank you for your understanding and cooperation in addressing this identity fraud issue.
Product: Mortgage

On XX/XX/XXXX, our city was declared a disaster area and my job was shut down for an undetermined amount of time but, for at least 2 weeks. I contacted Dovenmuehle and asked if they had any programs that would assist us during this time. They asked me to write out a hardship letter and scan and email it back to them. I attempted following up 2 times within a week an a half and the 3rd contact with a representative, I was told that they would have a decision for me the next day, but they didnt know how I would get that response. Two days later, I had not heard anything by phone or email so I attempted to call loss mitigation again. They have a recording stating they are not taking calls and the call is disconnected at the end of the message. They leave no option to leave a message. I attempted to email them and get no response and no automated email even telling me whether the email was received or not. Today XX/XX/XXXX, I checked my mail and receive a letter stating no decision, but telling me that because I asked for assistance options, they may have an appraisal done AT MY EXPENSE. I have always made my payments on time and I am current and up to date on my loan. I have no way to contact this company and I feel I am being taken advantage during a national pandemic. I want to know the decision on the forbearance and if they are not assisting me in anyway, then I want to know that they will not be ordering an appraisal that I would have to pay for. Charging me money during a time I am forced to be out of work and trying to make ends meet is predatory and disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XX/XX/XXXX CXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX WI XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX WI XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my credit report from all 3 bureaus XXXX Trans Union and XXXX. 
I have tried to reach out to all parties involved and yet they are on all my reports.
Product: Credit card or prepaid card

I applied to Citibank for an XXXX XXXX credit card. I was denied because " we couldn't verify come of the information on your application. '' I called and explained I had an XXXX XXXXredit score and excellent income. The supervisor said I had to call XXXX to see what was wrong with my credit. I called XXXX who information me Citibank had only inquired using my first and last name. Since my sister has almost the exact same first and last name, and her social security number is only one digit different than mine, they could not differentiate the account. They asked me to call Citibank and request the process their inquiry using my first, middle and last name. I called Citibank and they said there was nothing they would do. They had logged my complaint but would not recheck my account using my full name. This is very unfair. They made the mistake and I have no way to appeal. There should be a way to appeal and have them check my credit correctly. It is not my fault my sister has a similar name and social security number. Thank you!
Product: Credit reporting or other personal consumer reports

I DISPUTE THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORT * MACYS/CBNA : Inquired on XX/XX/XXXX * XXXX XXXX XXXX : Inquired on XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 16811 ), unverified inquiries must be removed. I DID AUTHORIZE ANY OF THESE COMPANIES TO RUN MY CREDIT. Please investigate and remove any unverifiable inquiries.
Product: Credit card or prepaid card

On XX/XX/2022 I opened up an account with Gemini  and applied for a credit card. The account was opened and credit card approved for {$22000.00} on XX/XX/2022. On XX/XX/2022, I emailed support to inquire why my account was now showing as frozen, but my account showed my credit card as available. Support emailed me back with ticket number XXXX stating that my account was under review by the Trust and Security Department. On XX/XX/2022, I logged in and the account showed as frozen but my credit card information was no longer showing. I emailed support again, but did not receive a reply this time.
Product: Bank account or service

In XXXX XXXX, I leased a vehicle that was financed via USBank in XXXX WI. At the time I assigned my low number Massachusetts registration plate to them for the term of the lease ( XXXX XXXX plate # XXXX ). 
On XXXX XXXX, XXXX I returned the vehicle to the dealer and asked them to be sure to have the bank reassign the plate back to me. The dealer gave me a form USBank faxed them showing that the lease had been paid off. ( For some reason they could n't fax a form releasing my plates. ) On XXXX XXXX, XXXX when I went to the Massachusetts Registry of Motor Vehicles to reassign my registration plate to another vehicle, I was n't able to because I needed a letter from USBank, on their letterhead, stating they were reassigning this plate back to me. The Registry Branch Manager was going to allow the bank to fax the document directly to them, so I called USBank. They told me they that their procedure for this did n't allow them to fax the document, and that it would take approximately seven ( 7 ) business days plus the time it took for the post office to deliver it to me. 
I told the person who answered the phone, then the supervisor I requested that this was unacceptable, and it was going to hold me up from registering another vehicle for approximately two weeks. They said they " understood '' by situation, but there was nothing they could do. 
Today I am sitting here unable to assign my plate to another vehicle because their policy is causing delays. It seems their " customer service '' ended once I paid off the lease. I do n't feel their procedure is reasonable if their customers ca n't get access their own plates for two weeks after the lease is paid off and the vehicle has been returned. If they could fax XXXX form to the dealer when I released my vehicle, why could n't they fax a second form? ( Where the Bank knew I wanted to keep my registration plate when I leased the vehicle, they could have done this OR left a second form with the dealer when I leased the vehicle, reassigning the plate back to me at the end of the lease - instead of making me wait two weeks! 
I would like to see the bank more responsive to the people they serve, and I would like to see this impractical bank policy changed so that in the future customers do n't have to wait two weeks like I am now waiting to get access to my plates again. 
SOME BANKS HAVE GOTTEN SO BIG THEY HAVE FORGOTTEN THE PEOPLE THEY SERVE! LETS BANK HUMAN AGAIN! 
Thank you.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting specific issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims. I was told that it is impossible to track these funds