23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. Transunion has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Transunion 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/2022 I sent certified letters to all 3 Credit Reporting agencies as well as the collection agency, Revenue Group, in XXXX, OH and University XXXX that placed a {$210.00} unpaid bill for collection on My accounts. I included 5 pages of documentation proving that I was not responsible for the unpaid bill and XXXX  acting for the Veterans Administration specifically stated as such in this documentation. XXXX is authorized to act for the V.A. Furthermore, the bill went unpaid because the hospital did not seek re-embursement within the required 180 day window, perhaps because of the start of covid? There are numerous other inaccuracies on My accounts which I detail in each letter. 

In reply letters, XXXX resolved the issues, however, Equifax and XXXX refuse to take the necessary action to resolve the situation despite a follow-up phone call directly from Me. I can not waste any further time with these unresponsive agencies. I must have the inaccuracies rectified in order to access My eBenefits account with the V.A. which uses ID.Me to verify My identity using information directly from My Credit Report. 

All the pertinent details are included in the letters I sent to these credit agencies on XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX continues to maintain Hard Credit Inquiries on my Credit Report that are unauthorized. I have notified each company by mail and phone more than once more than twice. Dates are XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2017 etc. I contacted XXXX Credit Bureau by phone and mail. I was told by XXXX that credit inquiries are FACTUAL, I don't ' know what that means and when asking the XXXX representative the explanation I got was that the credit inquiry had to be authorized by me and that the credit inquiry must remain for two or more years. So my question is if a hard inquiry is not connected to any accounts on my credit report and the same hard inquiries are displaying more than one time, why would that be factual? Please help me. With all these security breaches and Hurricane Florence I have been displaced from my home and now living with family. This is a hardship for me as I am trying to make sure that my credit reports are displaying the correct information.
Product: Credit card or prepaid card

On XX/XX/2022 i purchased a XXXX XXXX from XXXX XXXX in XXXX, Fl ( XXXX XXXX ). After leaving the store my XXXX and family stated looking at the watch. And we felt that this watch was not new or a real XXXX. We went back into the store to return the watch. This was about 45 minutes from the time we purchased the watch. The behind the counter told use that she can't return it we have to talk to the owner and he left for the day and come XXXX Monday. we don't leave in XXXX we live in XXXX fl. 
The women took the bag and all the paperwork and went into the back room. She came out and told use we can have a store credit. At this time i didn't want to deal with this store. I call Citi bank ( Costco Card ) and the told me to cancel the card and then me a new card and started a dispute. 
I have filled a dispute twice with Visa Citi card. I don't have a invoice or sales contract because the women took it. I return the watch and Im out {$6900.00}. Citi band told me they can't do anymore i have to go to VISA. 
I have called the Vendor 5 or 6 times and he hung up on me and will not give me a copy of my invoice or return policy. I call the Florida Attorney General office and spoke with them. They told me to Contact CFPB to contact Visa. Citi Bank keeps asking for documents and the vendor took them? So i need to see if CFPB can help we settle this dispute.
Product: Mortgage

I have been in discussion with my lender, Quicken Loans, since last year concerning payment of my flood insurance premium. While going through the process of a re-finance with them, it was brought to my attention I did not have flood insurance on my property which I am required to carry on the property. To make a long story short, they admitted mailing the premium ipayment to the wrong address. This mistake was n't discovered until 8 months after the policy expired. As a direct result of their error, I had to obtain a new policy which carries a premium that is more than XXXX the original policy. Also the deductible was raised from XXXX to XXXX dollars. This has caused me a significant financial hardship. Quicken did pay the difference in premium for last year 's flood premium. This year I called to let them know the policy had again increased and to see if they could offer any assistance in paying it since it is their fault I am now having to pay this new premium. Please understand I have compared my policy to those of my neighbors. Theirs went up slightly while mine more than XXXX, only because I had to obtain a new policy when my premium payment was mishandled by Quicken. I have spoken to a number of Quicken agents and managers about the situation. It is my belief that this issue has been trivialized by them and seen as not being important. I do n't think they realize the impact their mistake is still having on me. I am currently paying XXXX what my neighbors are paying in flood premiums. My deductible is also XXXX their deductibles. Unfortunately this rate will follow me as long as I own this home. If all insurance goes up 5 %, more is coming out of my pocket than my neighbors ' pockets all because of a mistake that was not my fault. I have made my mortgage payments on time every month since first getting a loan with Quicken a few years ago. I feel very let down in the way this situation has been handled. I have asked them to make up the premium have refused. This is hitting me especially hard right now. We have just " celebrated '' the XXXX anniversary of XXXX XXXX. If it had n't been for my flood insurance coverage, I probably would not be in my home today. 
I can provide you with whatever documentation you need, including a memo on my Quicken loans account showing they claimed to have sent a payment. 
I apologize for the length of this. I am still frustrated by the whole incident.
Product: Payday loan, title loan, or personal loan

my company received a wage assignment notification for my loan on the remaining XXXX dollars owed to XXXX. We have 3 payments remaining and were less than 30 days late. 

the initial letter was sent from their office without a call or letter to me. They claimed they call, but I would have known if they did. The last time my wife spoke with them, she scheduled the payment to be debited on XXXX/XXXX/XXXX. even though this was taken care of, they sent out the letter to my company multiple times once regular mail and the 2nd certified. it was sent directly to my employer notifying of a wage assignment. 

Their actions are not justified, and a wage assignment should be a last effort to have it initiated. 

My account was not even 30 days late and was satisfied. This a predatory practices.
Product: Credit reporting or other personal consumer reports

Attempting to login to the 3 credit bureaus to ensure me freezes are in place ; I was locked out when trying to login to TransUnion ( the other 2 worked fine ). I have called 3 different numbers at TransUnion, waited on hold, entered information, been hung up on 6 times, been told the person verifying my info did not have ability to reset. Via online search I can see from dozens of similar complaints that this is an attempt by TransUnion to scare me or goad me into signing up for a subscription. I simply need my online login reset.
Product: Credit card or prepaid card

I reached out to XXXX/comenity about a bill i received on XX/XX/XXXX and XX/XX/XXXX. I had been in contact with another bank because I recieved notice that a new account had been openend with XXXX under my name. 

I told the bank I hadn't used the card in years and last time I tried to use it, XXXX had told me it wasn't actice anymore. 

I let them know I hadn't used my card and i didnt make any purchases with XXXX XXXX 's at that time. They told me they'd open a case for the charges. I asked of I needed to do anything on my end like file a police report and they said it wasn't necessary to do that. 

Just recently I received a bill saying the charges will still active and being billed to me. I called the bank back and all they said was their investigator said that XXXX XXXX 's said the card was physically there and the charges were being billed to me. They said they'd resubmit to see of anything comes back different but that they didn't think it would change the results. 

They never reached out to me to verify my picture to see if it matched anything or my signature. They also never contacted me afterwards with anything relating to the fraud case they created.
Product: Debt collection

I noticed on my credit report that I had a collection added from the company XXXX XXXX XXXX XXXX. I have never heard of this company nor has this company reached out to me or sent me any type of notification as to who they are or whom they represent. From further research I saw on my credit report that it comes from a company called Synerprise Consulting Se and they haven't reached out to me or sent me any type of notification regarding this claim.
Product: Credit card

On XX/XX/XXXX, I applied for XXXX Visa credit card, which was offered by chase to me as an offer from on-line banking. 
Several days later I received denial letter, from Chase indicating the reason for the denial as my having too many credit cards. 
Please note : I have exceptional credit score ( XXXX ). There are no delinquencies on my credit report and no past amount due on any of the credit cards I own alone or with my husband together. 
I have applied for other credit card right after I received a denial letter from Chase and was immediately approved. I have a XXXX figure Money Market account with chase and other active Chase credit cards and believe the denial for XXXX VISA is subjective and not based on my credit score and history, as it should be, therefore, it 's unacceptable.
Product: Debt collection

I have been a victim of identity thief for 3 years, the FTC can attest to that, and this is the only company whom I have no business with that refuses to do what is fair and equitable to me as the consumer. This company continues to commit fraud. I want this company to cease and desist reporting on my credit reports and never contact me again in any way, shape or form. Per the FCRA I did not grant this company any of my personal information, so I would greatly appreciate if you removed them from my credit reporting. Lastly, I have done a UCC 11 and no results were found, which means I owe/have no debts. THANK YOU.
Product: Consumer Loan

I financed a car at XXXX in XXXX ohio on XX/XX/2017 through huntington bank. I asked and was told there is no loan fee. Nothing on ny paperwork shows a loan fee. XXXX was added on line XXXX and then subtracted on line XXXX. On XX/XX/2017 i went to refinance through XXXX XXXX and thats when i found out about a XXXX loan fee. I have tried to work this out through huntington and was told i will get back the XXXX and now they refuse to do so.
Product: Debt collection

Approximately XXXX the Resurgent collection agency instructed a private XXXX XXXX XXXX seize my XXXX XXXX XXXX I Own since XXXX, without a notice. The debt collector refuse to send a validation notice and fail to respond to your verification letter.
Product: Student loan

My student loans went into repayment XX/XX/XXXX with XXXX   servicer Nelnet. Ever since I have received informational emails from them alerting me to the fact that my payment due date is approaching. These emails should be helpful, but they are not simply because they are frequently inaccurate both with regard to the due date as well as with regard to the payment amount. Often, the payment amount required is higher than what was quoted in the informational email. This makes it terribly difficult to correctly budget my still limited income. A few examples are as noted below. Note for CFPB. I have original copies of all communication available for your review should you want them. For simplicity, I am quoting the notes. Example 1 Email received XX/XX/XXXX, with email ID XXXX " This is a reminder that your student loan payment is due tomorrow, XX/XX/XXXX, in the amount of {$57.00} '' The actual due date was XX/XX/XXXXExample 2 Email received XX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX  Due Date : XX/XX/XXXX Amount Due : {$96.00} '' The actual payment amount due was {$290.00} Example 3 Email receivedXX/XX/XXXX, with email ID XXXX " Your Payment Information Account : XXXX Due Date : XX/XX/XXXX Amount Due : {$130.00} '' Upon logging into the Nelnet website, I see that the due date is actually XX/XX/XXXX and the amount due is not {$130.00}, but {$230.00}.
Product: Credit card

i have a credit card from chase. the credit card # XXXX. 
I did not receive the statement in XX/XX/2017 and I did not know that chase had billed an annual fee to me to this account, i called chase today and learned that an annual fee had been billed. i asked them to cancel my account and credit the annual fee back, but that told me that i am late by 1 day ( one day only ), and refused to credit the annual fee back. This is completely unacceptable and a rip-off. they did not deliver a a statement to me and I did not know about the annual fee until today. 
please have chase reverse the annual fee.
Product: Mortgage

Rocket Mortgage Quicken Loans I changed the account that my auto pay was drawn from. They said that I also ended the auto pay. I don't agree that I did that because I would not have done that. My payment was late. Rocket tried to email me about the issue and their mail but their mail goes to spam because of all the junk that they send. They tried to call but the did not say what the issue was. I didn't call back because again, they only call to try to sell you another product. They refuse to remove the late strike.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB 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 had also allowed repeat offenders to exploit the system leaving users vunerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

On XX/XX/XXXX my debit and credit cards were used to complete unauthorized transactions at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never been to this store ( nor had I ever heard of it ) before XX/XX/XXXX, when I showed up to talk to the merchant about charges. During that time the owner of the establishment told me that two women were in the store trying several cards the day prior until mine unfortunately was approved. They have stolen XXXX from me in total. I have filed a police report with the XXXX Police Department ( report # XXXX ). On XX/XX/XXXX I filed a dispute with CHIME and spoke with a representative named XXXX, who stated he was a supervisor. The claim numbers for these disputes are XXXX and XXXX. He informed me the investigation could take up to 90 days which is not acceptable when other banks offer their members a provisional credit in these cases. On XX/XX/XXXX less than 24 hours after the dispute was filed I received a generic response stating that the investigation is complete. I attempted to contact CHIME via telephone and spoke with a very rude representative named XXXX XXXX XXXX XXXX XXXX XXXX ) who disconnected the call, saying that it was for quality purposes. She refused to help to escalate the call stating that she can only place notes on the account. Every answer given was generic and followed by " this is all that I can see on your account ''. I followed the call with 3 emails to chime requesting that any information in the investigation that helped to reach this adverse outcome be immediately sent to me. They are saying that this will take 10 business days. I asked to file a rebuttal or appeal of the decision and was told my only recourse is to email XXXX. I did take these steps but i am now seeking assistance from a higher authority as this bank ( if you can call it that ) is not following bank regulations. On their website they advertise zero liability for unauthorized charges, but yet they have done nothing to return my money. As a young person of XXXX XXXX this money is very important to me and too much to lose. I am left with no debit/credit cards to access my money and I am out of XXXX. 
The job of the bank is to protect its consumers against fraudulent charges. CHIME has failed to do that. I would like my funds, in the amounts of XXXX + XXXX to be returned to me.
Product: Debt collection

Capital Accounts has forwarded a bill to me XX/XX/2021 attempting to collect a debt from me that I do not owe. In the letter they use threatening language stating it was a demand for payment and failure to respond within 30 days that Capital Accounts would report the debt to Credit Reporting Agencys. I responded XX/XX/2021 Certified mail asking them to Cease and Desist, and for proof verifying such debt I allegedly owed ; and they have not done that. Ive sent three other documents for request and for damages and still no compliance. Capital Accounts has sent a bill to my dwelling and has made my phone ring without my prior consent ; and has now reported false information to my credit report, ignoring my request to Cease and Desist. Capital Accounts are in Violation of False Claims Act as they have not provided verification of such claim against me but yet have taken it upon themselves to still report false information to my credit report. Capital Accounts has used abusive and unfair debt collection practices in Violation of Consumer Law. I conclude that I have never done business with Capital Accounts, and I have no connections to Capital Accounts. I dont know who they are ; why they have reported false information on my credit report.
Product: Money transfer, virtual currency, or money service

I have been locked out of my GDAX Account ( Coinbase 's trading subsidiary ) for approximately 1.5 months. As many of my virtual currency transactions have occurred on GDAX, I have been unable to file my taxes, as Coinbase has consistently failed to restore access to my account, or to provide me with the transaction records that would enable me to file my taxes. 

On XX/XX/XXXX, I filed a support request with Coinbase ; their response indicated that I should receive resolution within 1 week. Since XX/XX/XXXX I have called twice per week, with no response, other than an email saying my case had been " escalated. '' My taxes are now overdue. All I am requesting is access to my account in order to file taxes. 

Many thanks.
Product: Credit reporting or other personal consumer reports

This grumbling to EQUIFAX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the XXXX XXXX XXXX XXXX, nor did they respond to it. 
As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the XXXX  numbers XXXX ; XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXX/XXXX  Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, XXXX  Account number : XXXX, XXXX XXXX & XXXX Account number : XXXX 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.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute of Inaccurate Credit Reporting Account Number : XXXX Dear Sir/Madam, I am asking for a re-investigation. There are several inaccuracies on my credit report concerning the account with XXXX XXXX XXXX XXXX, account number XXXX. Upon reviewing my credit report, I have identified multiple errors and inconsistencies that violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). I request that these inaccuracies be thoroughly re-investigated and corrected immediately. Attached will be a letter with all necessary information regarding this account.
Product: Debt collection

I had a Commenity credit card that I payed off the balance and closed in 2021. The company XXXX XXXX insists that I owe {$210.00} that I need to pay. Commenity can not " find '' my account because it's closed. Yet I am still getting emails and calls from XXXX XXXX insisting I pay the money " owed '' though they can not tell me what the money is for ( other than that it was owed to Commenity and they now own that debt ). Attempts at clearing this up with both companies ( Commenity and XXXX  XXXX ) have not accomplished anything. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian wont allow me to submit multiple reasons on why XXXX is illegally requesting debt. 

Experian knows my information. They know I XXXX XXXX XXXX XX/XX/XXXX. They should be familiar with student loans also. 

Therefore, they shouldnt be allowing XXXX or any other student loan services to attempt to collect a debt 3 months before its required to make payments. The promissory note stayed, 2 years after XXXX you begin paying. Afterward you can get forbearance or IBR. Etc. 

They attempted to collect XXXX XXXX  debt XX/XX/XXXX. XX/XX/XXXX. XX/XX/XXXX. Then I called them in XXXX and had to get a forbearance. 

At the time, I was going through a lot of other things but now I realize I didnt even need a forbearance yet. They forced me to use it by using experian to report negatively. Experian didnt do their homework on this one and Ive had to suffer for 4 years because of it. 

Experian, do your homework and stop just taking the word of these crooked lenders. Especially XXXX.