23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On or about XX/XX/XXXX I filed a dispute with Chase Visa about a charge that exceeded what I was quoted. On XX/XX/XXXX I booked a rental car from XXXX and was quoted a total of {$1800.00} ( unlimited mileage/no additional fees ). XXXX then billed me {$2100.00}. I contacted XXXX and requested an explanation as to why the amount was higher than quoted and they would not provide rationale ( " That's just what it cost '' ). I then filed a dispute with Chase Visa for the difference between what I was quoted and what I was charged. I received a letter from Chase on XX/XX/XXXX stating they had received information from XXXX that appeared to verify the charges were valid and was attached for my review. There was nothing attached ( I also verified online nothing was available ). I mailed a response to Chase on XX/XX/XXXX that there was no evidence to dispute my claim and that I was continuing my dispute. On or about XX/XX/XXXX I received another letter from Chase that they had closed my dispute finding in favor of the merchant. I called Chase and demanded to know the rationale as to why they closed my dispute in favor of XXXX. The agent reviewed the file and stated that the finding merely indicated that they believed I owed XXXX for the rental but mentioned nothing about my actual dispute that I was charged more than what I was quoted. Chase 's agent recommended that I send a letter requesting the dispute to be re-opened ( there were actually two disputes they closed without evidence or rationale but they have only responded to the XXXX one so far ) which I did on XX/XX/XXXX in which I again went into great detail about the basis of the dispute, the amount I was disputing and the fact that I had received no evidence or correspondence from XXXX justifying their charges. On XX/XX/XXXX I received two letters from Chase. The first was dated XX/XX/XXXX and stated they were investigating the dispute and would reverse the charges. The second was dated XX/XX/XXXX ( ONE day later ) that stated they " Confirmed the Transaction '' and had re-issued the charge to me for the full amount charged by XXXX. There was no explanation provided about how they arrived at that finding or and evidence to support same. I am hereby filing a formal complaint against both XXXX and Chase and am requesting assistance in remedying the fraudulent charges by XXXX and further requesting investigation into Chase for their apparent failure to perform due diligence and to execute their responsibilities under the Fair Credit Billing Act of 1975.
Product: Credit reporting or other personal consumer reports

Experian has failed to investigate my disputes filed and remove all negative reports from my credit report after being notified about inaccurate information on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand that the credit bureaus investigate and prove to me that all negative items on my credit report be validated. 
According to the FDCPA 15 USC 1692 g states that all debt must be validated this include all collections and closed accounts plus credit card accounts
Product: Checking or savings account

Misleading by bonus promotion enroll by XX/XX/XXXX fund new money by XX/XX/XXXX On XX/XX/XXXX transferred money from ally online savings to XXXX XXXX  On XX/XX/XXXX ally sends me notice that if I enroll by XX/XX/XXXX I can receive up to a XXXX cash bonus and that if I am eligible I will receive confirmation. Which I did. 
On XX/XX/XXXX ally sends me notice " nice work ****** you have been enrolled in our 1 % cash bonus program. Move new money into account by XX/XX/XXXX to become eligible. 
On XX/XX/XXXX requested a transfer of XXXX to ally bank On XX/XX/XXXX ally received XXXX transfer deposit Ally bank has since claimed they are not going to pay me XXXX since the money I deposited was not new money. Why then, did they send me a personal email promotion and then following up informing me of my eligibility and acceptance. 

Ally claim # XXXX
Product: Credit card

My Sams credit card issued by Sychrony Bank was closed because of fraudulent charges made on my account. The bank resolved the issue and settled the claim. After the account was closed, new charges which I did not make were added to the account which as of yet still have not been identified to me. I have had several frustrating phone conversations with the company regarding the issue. They continue to add interest and I finally sent a certified letter to CEO Sychrony bank dated XX/XX/2023. A signed return receipt was received and to date, XX/XX/XXXX, I have received nothing but letters harassing me about payment with no investigation taking place.
Product: Credit reporting or other personal consumer reports

As a federally Protected civilian/consumer/natural person I DEMAND these accounts be removed! The information listed which appears on my credit report, does not relate to any transaction ( s ) that I have made. You/reporting agency are in violation pursuant to 15 u.s. code 1692d ( 1 ), 15 u.s. code 1692j ( a ), 15 u.s. code 1692e ( 1 ) ( 2a ) ( 3 ) ,15 u.s. code 1692c ( a ) for helping to facilitate entities/companies to commit fraud. You/reporting agency are also in violation pursuant to 15 u.s. code 1681r for sharing/communicating my private civilian/consumer/natural person file to other unknown entities without my consent. If this is not resolved Within XXXX of receiving the FTC XXXX I will take lawful action ordering judgment against you and the Debt collector under 15 u.s. code 1692k for damages.
Product: Debt collection

I ca n't understand how my credit is low when I do n't have any debts but it 's showing that I have XXXX different amount of debt to the same company.
Product: Debt collection

CPC - They have been sending me sketchy text and emails trying to get me to open links no information with it. I did not feel comfortable with that. I asked him to please mail me a statement they have not. I also never consented to them texting or emailing me. 
I have no idea who they are or what theyre collecting for. 

Then they started calling me, I would answer and no one would say anything then they would hang up. 

I got a call on XX/XX/XXXX XXXX they finally had someone speak back to me, they wanted personal information in order to speak to me. I refused I asked they send me a statement regarding what it is that theyre collecting on. She said that they did however, I have not received anything. I asked him to resend it to me. She said that they do not resend statements. She was very rude and persistent on having me share personal information it would not tell me what she was collecting on. 

XXXX is the email they used.
Product: Credit reporting or other personal consumer reports

See attached this is my third time doing this and It's been longer then four ( 4 ) days for Experian and they're still showing things on my report that I as the consumer have identified at fraud/identity theft. According to 15 USC 1681c2. All documentation has been sent to Experian prior.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; TXXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/ XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been on mortgage forbearance with XXXX XXXX  regarding my VA home loan as a result of my XXXX as a 100 % total and permanently XXXX Veteran. We have never come off forbearance. We have been attempting to avoid foreclosure and are waiting for the lender to get ready to implement the Veterans Affairs new purchase option which would put the missed payments on the back end of our loan and remain current, with no negative credit reporting. We have been contacting XXXX almost weekly checking in on this for over a year. 

XXXX recently reported our credit 180 days late stating we came off forbearance in XXXX and were just put back on in XX/XX/year>. This is inaccurate as we have been in forbearance as we requested to extend in XXXX, which was granted while we wait for them to implement the new VA program ( VASP ). We have never come off nor were notified we had come off. 

I requested this to be reversed, as per VA 's guidance, Veterans are not to be negatively reporting while waiting for lenders to get this program up and running. They denied my request and have not provided documentation when asked via phone or in writing to support our claims that we were extended in XXXX. Furthermore, I can not get an explanation as to why, if we were taking off forbearance, we never received notification. 

This is an immense hardship that has damaged our credit beyond repair as we already navigate a very difficult situation and has had immense effects on my already unstable mental health as a direct result of my military service.
Product: Vehicle loan or lease

Attempted to contact XXXX XXXX XXXX, transferred to multiple departments with no resolution. Each department claiming this dispute is not theirs to resolve. Spoke to 3 representatives but none were customer service friendly but instead acted like debt collectors. Overages were not past due. Auto lease turned in early under SCRA. The finance company is prorating milage on monthly basis. This procedure is not mentioned in the lease contract. Contract is vague but at best indicates proration could occur on an annual basis. I leased the car for 7 months and acquired XXXX miles in that time and Toyota is prorating over milage fees on a monthly basis.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I viewed my consumer report and noticed my personal information is listed incorrectly. 15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name is XXXX XXXX XXXX My Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My only Phone number is ( XXXX ) XXXX.
Product: Credit reporting

*** The Issue**On XXXX XXXX 2015, I was looking on line for XXXX plans, to activate my ( I owned ) personal phone with a pre-paid or pay as you go plan. I came across one such planwith a monthly {$35.00} fee and no activation fee. I activated it & received an order confirmation ( attached here ) with " {$0.00} on fees & $ XXXX monthly ''. This was for emergency use by my XXXX yr old son and some how he lost the phone in a week. So on XXXX XXXX, I requested to disconnect & a partial fee request..which should have been ( 10 days * XXXX = {$12.00} ). 
However I ended up receiving an invoice for {$54.00} ( that included a {$40.00} activation charge ). 
I have called XXXX & tried to resolve the issue number of times, mentioned about the order confirmation mentioning no activation charges. However they have been adamant and are forcing me to pay the activation fee. Which I dispute and I am not willing to pay. 
This has ended up in my credit history. I believe this is unfair and unethical. 
*****It seems more like blackmail by XXXX XXXX " pay up or we will spoil your credit history '' **Hence I would like CFPB to intervene and advise XXXX & Experian tocorrect this negative information from my credit records. I do not have any other negative information on my records and this single event spoils my credit history by more than XXXX points.
Product: Credit reporting or other personal consumer reports

In accordance with the XXXX XXXX XXXX. Everything has to be 100 % accurate on my report. 
The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate. 

This is grounds for removal due to a violation of my rights under XXXX XXXX XXXX XXXX XXXX Section XXXX A stated I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX Section XXXX A Section XXXX states a consumer reporting agency can not furnish an account without my written instructions. 

I have attached and highlighted the accounts incorrect.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting 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 has violated my rights. 


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: Mortgage

In the beginning of the year I applied for a mortgage refinance through my bank ( Navy Federal Credit Union ). I went through the process smoothly until the appraisal. The appraisal came back not in my favor as the amount was lower than the original appraisal when I purchased the house in XX/XX/2019, and I already have done work on the house to improve including flooring and changing major appliances. I asked for a reappraisal and presented documents of my original appraisal plus all the paperwork of house improvements. The reappraisal was denied ( which is their right I understand ) so I respectfully asked for the application to be withdrawn as I will not continue. First the locked my interest rate when I specifically asked for it to not be locked twice especially during this pandemic since I understand the interest will be lower and in my favor according the federal reserve multiple statements. I have it over the phone recording through them and twice through emails and it wasn't unlocked. After the appraisal situation, I asked for the application to be withdrawn, only to get this letter in the mail station " credit denial '' and when I emailed the mortgage processor, attached was her response as well.
Product: Payday loan, title loan, or personal loan

Paid off balance with the company. Was owed money by the surgeons office, they remitted this money not to me but to HCS. So, I contact HCS about them sending me a refund and was told it can take up to 60 days. Well, 60+ days later and they are researching. There is nothing to research, they owe me what came in from my doctor incorrectly.
Product: Debt collection

As per credit report, GLA collection had sent debt of {$1500.00} on behalf of XXXX XXXX XXXX where I never gone for service. in my recent history, on XX/XX/2018 I had XXXX  in XXXX XXXX XXXX, that was in network, after my insurance company approval. All payments from the insurance and my part were settled. I don't know the company the so called a creditor to me, XXXX XXXX XXXX. There should be my consent to the company service and credit.
Product: Mortgage

On XX/XX/20 I applied for a mortgage to refinance my home. On XX/XX/20 I received a loan estimate for a loan amount of {$270000.00}. at 2.375 %, 2.553 % APR. 30 yr. term with .766 % origination fee and {$3500.00}. for broker compensation. 
This was to close on or before XX/XX/20. That didn't happen because someone told the appraiser the the appraisal was due on XX/XX/20. On XX/XX/20 I received another loan estimate that stated the same as the above estimate, with the insignificant exception of 2.555 % APR. On XX/XX/20 I received the closing disclosure that had changed to 2.891 % origination fee and {$2800.00}. broker compensation, with an APR of 2.702 %. At first I was told that this was because the rate had expired. I protested and the loan officer agreed that this was not my fault and that it would be taken care of. He talked to the lender again and I was then told that it was because I was getting cash back. Nothing had changed on my part from the estimate on XX/XX/20. The loan officer talked to his supervisor and they agreed, and stated again that this would be taken care of. 
It is now 4 weeks past the original closing date and my loan officer says he is still waiting to hear back from the lender. 
The lender I refer to is : Quicken Loans XXXX XXXX XXXX XXXX. 
XXXX, MI XXXX and the XX/XX/XXXX. is : XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX The loan officer is XXXX XXXX and his supervisor is XXXX XXXX XXXX It's my belief that the loan officer and supervisor are doing what they can, but Quicken doesn't seem to be communicating in a timely or honest matter. I've been working on this for two and a half months now and have paid for an appraisal. I don't want to start this process over again with someone else. I would like to get this closed with the loans terms that were agreed upon.
Product: Student loan

I'm a cosigner on a loan with XXXX. We've been trying to refinance our loan with another private lender due to horrible customer service ( they will not answer questions and avoid them at all costs over the phone ) and extremely high interest rates 11 % +. 

We sent in an application to refinance with another company and one of the things the requested was an official document from XXXX saying that the loan was current. We had just paid the monthly balance for the XXXX loan and requested a document that said that we paid, and XXXX said that it would take them about 10-14 days to be able to give us the document so that we could be approved with the other company. We called multiple times to see if they could speed up this process, but they said this is official procedure and that it takes that long to be able to send it over. By the time we got the document we needed from them, the loan was now overdue again and we had to repeat the process all over again. It was pretty clear to us that they wouldn't send over the document in a timely manner so that we couldn't refinance the loan with another company. This process repeated for 2 months until we finally got the document needed so that we could move to another company. 

Then, after we got approved with another company, the new lender tried to pay off the balance of the loan - however XXXX will not take an electronic payment and requires a check to be sent through the mail. When I called XXXX to see why we still had a balance on our account, they said it's because it takes them XXXX days to process the check and that the balance will be reflected once they cash it XXXX whenever they decide to do so ). I asked them if they had received the check already being it was sent last week and they wouldn't tell me if they did. They also said that I'm accruing daily interest, even though the check has already been sent to them, and I'll have to pay that interest until they cash the check. The problem is that they won't tell me if they have the check, or when they'll cash it, and they're threatening to report me to a credit agency even though there's a check for the full amount of the loan already in the mail ( or in their hands XXXX. 

I've tried asking simple questions multiple times such as " do you have the check yet '' and/or " what dates would you report me to the credit agency on '' and all the say is they can't answer those questions. 

It's pretty clear that they have all of these policies in place to make it as difficult as possible to refinance with a different company and continue to collect more money from customers without the ability to pay off the loan in full ( in a timely manner ).
Product: Mortgage

During the pandemic, Wells Fargo Mortgage granted us the opportunity to participate in a COVID-19 forbearance program due to a significant reduction in our income. We utilized the program for 18 months, as it provided critical financial relief during an unprecedented time. However, at the end of the forbearance period, Wells Fargo required documentation to be notarized by every individual listed on the mortgage. Unfortunately, one of the co-signers, who was XXXX with the XXXX XXXX  to XXXX to support sensitive negotiations during the XXXX withdrawal, was unable to provide a notarized signature due to their overseas assignment. Despite our efforts to resolve this issue, Wells Fargo refused to accommodate the unique circumstances and demanded immediate repayment of the forbearance amount in a lump sum. When we were unable to meet this demand, they initiated foreclosure proceedings, forcing us to file for XXXX XXXXXXXX bankruptcy to save our home. 

This situation is particularly distressing given that the home is owned and primarily occupied by a XXXX XXXX XXXX XXXX veteran. It is unjust that we are being penalized due to the unavoidable absence of a co-signer who was serving our country in a high-stakes, sensitive capacity overseas. We urge Wells Fargo to reconsider its decision and work with us to find a fair and equitable resolution. Your assistance in rectifying this matter would not only provide much-needed relief but also demonstrate compassion and support for those who have sacrificed so much for our nation. Thank you for your attention to this urgent matter.
Product: Credit reporting

The TransUnion Credit Bureau is reporting XXXX adverse accounts reported by XXXX. These XXXX accounts were being reported previously by XXXX and XXXX XXXX XXXX at the same time. Case # XXXX cfpb TransUnion remove XXXX credit reports and let XXXX reports. 
Then, I applied to TransUnion live XXXX of the due credit report adverse accounts that by asking evidence of debts pointed out me that I convey to the XXXX collection agency to discuss the claim since it does not belong to. I understand that XXXX not debt owned him legally and still it they are reporting it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX has the wrong Credit Score at XXXX and my XXXX XXXX should by XXXX. Experian and XXXX ate Discriminating against me because I am XXXX American. I want a full investigation into Experian and T because they both are Quity of Racial Discrination. I want Experian and XXXX to correct my Credit Score to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a complaint for items that are not mine and was informed that it was closed due to being sent by a third party. I have attached my notarized affidavit to show that I am doing this on my own behalf. Please reopen complaint numbers XXXX, XXXX and XXXX to remove and block these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

sent them information about inquires that are not mine they just left on there exp, XXXX XXXX
Product: Debt collection

Cb indigo XX/XX/2021 constant dispute have no knowledge
Product: Credit reporting

Equifax is giving me the run around and refusing to investigate and remove accounts from my credit report that do not belong to me.