23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am XXXX XXXX XXXX and have over 30 years of credit history however recently, data being sent from TransUnion to XXXX and XXXX is saying I do not have sufficient credit history which has caused a loan to be declined and another loan had to be entered into at a higher interest rate. 

I contacted TransUnion and they said I need to bring this to the attention of the financial institutions in question however I feel that TransUnion should take ownership of this because XXXX separate financial institutions are receiving the same incorrect data from TransUnion. 

I have attached a declination letter from XXXX and the XXXX site print screen as support.
Product: Debt collection

The original medical provider completely mislead me into thinking that my insurance will cover ALL of the costs associated with treatment. I was very specific with him and he was very insistent that all costs will be covered by insurance. Well, as it turns out, this was NOT the case. Not even close. The part that really gets me is that my insurance does provide me access to acupuncturists that it will cover ALL of the costs. 

What was the point of me going to someone for treatment that will require me to pay out of pocket when I have an option for the same service at XXXX out of pocket cost? 
This was unexpected to say the least. After all of that, I still paid out of pocket in the amount of {$500.00} but that is all that I am willing to pay. Even that is too much. This is a very direct instance of the medical provider deliberately misleading me so they can get the business. 
I object to this debt and I dispute the validity of this debt. This is a complete sham and the original medical provider should be ashamed of himself. He looked me straight in the eyes and told me that insurance will cover everything, you wont have out of pocket costs. THAT is the only reason why I agreed to the treatments. Well after a few treatments and after they bill the insurance, they start trying to bill me. 
I want this account to be removed from my credit report.
Product: Debt collection

I asked this company to send me a copy of the 1099c form that they received due to reporting my debt as a profit loss with the IRS. This company never responded and it shouldve been given to me in the first place. Theyre reporting something different on my credit report than whats their books. I have grounds for deletion cause the debt collector collect on a debt that has been cancelled. I will be reporting this company to the IRS FOR SUSPENSION OF FRUAD if this account not deleted
Product: Credit reporting or other personal consumer reports

I have disputed these fraudulent inquiries multiple times with EQUIFAX and they kept ignoring my request. So, I'm filing a complaint against their company as they are not taking my credit seriously and this is affecting my credit worthiness. Again, I recently reviewed my credit report and noticed several unauthorized inquiries. please remove these immediately as the do not belong on my report, and they are affecting my quality of my life. I am being denied because of these excessive UNAUTHORIZED inquiries and they need to be removed immediately.
Product: Credit reporting

I ran my credit report with trans-union and notice this XXXX account is still showing on my report. I 've spoken to XXXX and received a refund, for not only not having a balance but also because I overpaid for my procedures. Please contact Customer service Suspervisor XXXX XXXX phone number : XXXX XXXX XXXX XXXX. I will attach the emails where she states I was owed a refund and this account should of never been opened for that amount in the first place. XXXX has been paid in full satisfactory. Please contact her to confirm and remove or change the status of my account to " close paid in full ''. THank you
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 recent CFPB Lawsuits highlighting significant issues with the 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 was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect its consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regaurding 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 covering 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 raises serious concerns about consumer safety.
Product: Mortgage

In XXXX of XXXX, I requested information in regards to removal of PMI on my home loan due to an increase in market value since its purchase in XXXX. Over the next several weeks, I was made aware that I would need to fill out and mail a form, receive a home inspection. 

On XX/XX/XXXX, I followed my mortgage servicer 's ( Freedom Mortgage ) process for requesting removal of PMI. I sent a check for {$100.00} for the cost of the required BPO ( Broker 's Price Opinion ) which was cashed on XX/XX/XXXX. 

Over the several weeks, I made at least two calls to my mortgage servicer in regards to the scheduling of the BPO inspection, and received no information or updates. After three weeks, still without any update from my servicer, they provided me with the number of the contractor ( XXXX XXXX XXXX ) used to schedule inspections. I was told by my servicer that I should wait until XX/XX/XXXX for an update. 

On calling the contractor, I was informed that no inspection had been scheduled with them, and they had no information for even what type of inspection was required ( indoor or outdoor inspection ). The contractor would need me to email them to schedule the inspection, after which they would contact my mortgage servicer for the details of the requirements. I was also informed at this time that it might be as much as a month until I would have some update in regards to the scheduling of this inspection.
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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX USBK COURT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Directexpress debit card
 
Within two months I've had to file a claim with this company for fraudulent transactions. Both claim filings we're delayed due to the fact you can't get though the company through phone because it's gives a message that the call volume is high and then it hangs up on you.  When I did get through to them which for both took anywhere between 3 to 30 days of calling constantly to get a live representative which is the only way to file a claim. The first claim was filed in XX/XX/2019, which I tried to settle the matter with the company first. The claim was made due to the fact that the company processed a payment without my permission. I never signed up for recurring payments and when I used the card before to make a payment with them it was one time payments only. I'll was told by direct express that my claim was denied on the10 day due to conflicting information. The second claim was filed on XX/XX/XXXX because my card was stolen by someone that I had to know because they stole my card and took everything off. When I did get through to make a complaint I was told that making a police report wasn't necessary but would be a help. I filed then claim and sent all requested paperwork in. On the 10 day they told me it was denied due to conflicting information. The second claim and same results. I tried to file an appeal on the second claim and was told I can't file an appeal and received no detailed claims on the the claims results after requesting. Direct express makes no efforts in investigating claims. It's very hard to get through on their phone lines and when you do get through they transfer you 5 or 6 tomes to departments that don't know what they are doing. Even after filing a police report for the second claim they told me that they couldn't reopen the claim and the police would have to get my money back.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ALLY XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX has violated my rights. 


I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

The account was opened   XXXX   XXXX   XXXX   for {$500.00}. I had problem with the account and finally had an agreement with  Khol 's to  pay off the account in  XXXX   XXXX . The payment was paid in full and satisfactory to my creditor as per our mutual agreement. The credit reporting agencies keep on reporting it as  Paid,  was a charge-off despite that the account was paid in full not charge off.   Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. In  XXXX  report, it is stated as F P ( Fail to Pay ) a s of  XXXX   XXXX  which was the last report in my credit report despite my recent creditor report to  XXXX .   On  XXXX   XXXX  -  XXXX ,  XXXX  was credit scores was reduced by  credit score  by  XXXX  points from  XXXX  to  XXXX  without any changes in my credit transaction. The reason   XXXX    took such action was because I express dissatisfaction with how   XXXX   was handing my credit investigation wit h Khol 's. T he  XXXX  are punishing consumer who exercise there right to ask for fair credit report treatment
Product: Student loan

They committed fraud and predatory lending breach of contract and acting in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$7500.00}.
Product: Credit reporting or other personal consumer reports

My XXXX XXXX XXXX were paid in full/closed and transferred to XXXX on XX/XX/year>. They are still being shown as open account with balances on them through Experian. XXXX XXXX XXXX are reporting the balances and account status correctly as {$0.00} closed/paid in full. I have filed XXXX disputes online with Experian and have also called in twice. I have provided all documentation to show the pay off these loans. The disputes are not correcting the information and each say the customer disagrees. I called XXXX today, they told me they sent the correct information to Experian to show the pay off of these loans with the {$0.00} balance and I know this is true because XXXX XXXX XXXX are reporting correctly. I don't know what else to do to have Experian correct this error. They are violating the FCRA regulations by reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

In accordance with the fail credit # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may nBt treat a payment on a credit card@. . account under an open end XXXX consumer credit plan as late for XXXX  .copy it and pyt itin that XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

In early XX/XX/2021, l told my mortgage company that l wanted to come off the covid19 forbearance. They advised me that because l had an escrow shortage of XXXX}, if l did not pay it in full, my payments would jump to {XXXX} from the {XXXX. So on XX/XX/2021, l paid them XXXX} to be applied to the shortage. Unbeknownst to me, they never applied it to the escrow shortage. They then told me that my next payment was due on XX/XX/2021. They then sent me an agreement, whereby some XXXX} that had accrued during the Covid19 forbearance would be added to the back end of the loan balance. 

On XX/XX/2021, l sent a payment of XXXX for that month 's payment. They then advised me that my first mortgage payment post forbearance was due on XX/XX/2021. I asked them to apply the XXXX they received on XX/XX/XXXX to my XXXX payment. 

On XX/XX/2021, l sent a payment of XXXX for that month '' s payment. Then l get a letter on XX/XX/2021, advising me that l owed XXXX and XXXX 's payments. I then called and spent almost 2 hours on the phone with them seeking clarification. They then advised that l only owed XXXX 's payment, because the XX/XX/XXXX payment could not apply to XXXX because it was made before the finalization of the forbearance settlement. 

Then they referred me back to the Escrow department. After much wrangling with them, a gentleman finally agreed to ask that the XXXX} apply to the escrow shortage, thus reversing my monthly payments to {XXXX}. That was after some 8 calls to them and more than 10 hours on the phone. When l asked him about the {XXXX} total payments they were holding, he told me he could only talk about escrow and referred me back to the previous department. 

There, after another marathon conversation, the gentleman told me that if l did not make a payment for XX/XX/2021, l would be reported to the credit bureaus. Mind you, they still haven't accounted for the XXXX} l paid in XXXX. When you factor the XXXX} l paid in early XXXX, l would need to make a second {XXXX} payment in XXXX to preserve my credit score. This is highway robbery. I want them to apply the XXXX} payment l gave them in XXXX to the XXXX payment and apply the payment l made in XXXX, to the XXXX payment
Product: Credit reporting or other personal consumer reports

I look at my credit report and notice XXXX ACCOUNT # XXXX WHICH SHOULD NOT BE ON MY CREDIT I HAVE NO CONTRACT WITH THIS COMPANY. I ALSO NOTICE INACCURATE DATA. ALL THREE CREDIT BUREAUS SHOULD REPORT THE SAME. 
1.ADDRESS FROM EXPERIAN IS Contact info Address XXXX XXXX XXXX XXXX, TX XXXX XXXX ADDRESS IS Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MN XXXX Phone number
Product: Mortgage

Dear CFPB officer, My mortgage got transferred on XX/XX/2022 to PNC Mortgage from XXXX. The new mortgage servicer PNC notified me via mail around late XXXX that I need to have XXXX insurance, which I bought it from XXXX ( $ XXXX ) upon receiving the notice. As expected, the insurance effective date was set to XX/XX/2022 by the insurance company. However, PNC then sent me another mail which I received on XX/XX/2022 telling me PNC will charge me {$90.00} to cover the gap between XX/XX/2022 - XX/XX/2022. There's no issues/damages to my condo ( it is still a quite new building ). 

How come PNC wants to charge me for insurance to cover a period IN THE PAST, when there's no issues/damages? Also the gap is completely caused by the delay of PNC informing me about the insurance requirements. 

I have since called PNC Mortgage trying to remove this {$90.00} charge but was told that they still want to charge me the {$90.00} for the gap, which to me is just another example that banks getting creative to charge outrageous fees to their customers. 

Would greatly appreciate your help to push PNC for a reasonable resolution. 

Thank you, XXXX
Product: Checking or savings account

Synchrony bank is not allowing me to move money to an external account. They have turned off all access to external account on their app and website. Only by calling am I able to move money out of my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave the credit bureau nor creditors consent to pull my credit profile and by law that is violating my rights and the law under the FCRA. I have an attached letter below that explains the incident. I have 11 unrecognized inquiries on my consumer report that i am completely unaware of. I wasn't contacted by any creditor nor the credit bureau of an attempt to inquire about a new account on the dates listed. I didn't receive any phone calls or letters pertaining to the incident. I am highly disappointed that i had a security freeze at the time of the inquiries listed on my report. If the inquiries aren't removed within 3 business days i will post via XXXX website, i will pursue legal actions against the credit bureau, i will be adding compensation for the mishandling of my consumer report.
Product: Payday loan, title loan, or personal loan

I am writing to the CFPB once again about Rise. I was promised than once my charged-off account was reversed I would only owe the amount of interest accumulated before the charging off and also the principal. However, once the charge-off was reversed the interest began accumulating once again. This was contrary to what was promised to me. The account information online also does not contain any of the documents made between Rise and I, and the information provided is not accurate regarding amount owed.
Product: Credit card

credit card for XXXX rewards card was opened in my name. Called and had card cancelled, Chased put it down as identity theft. Would not give me any details from the credit application ( ISP, alternate mailing address, etc ). Have since received two ( 2 ) more notices from Chase that I was turned down for an XXXX rewards card. Notified them both times that I did not apply for one and they marked them as identity theft. Chase will not give me any details, have n't yet tried to call XXXX. Chase says they will not attempt to block any future applications, they have to process them. Issue started in XX/XX/XXXX. & XX/XX/XXXX, then XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion shows inaccurate balance for my XXXX account. Update not done every 30 days which penalized my credit report and credit score. As of XX/XX/2018, the accurate balance is {$22000.00}.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I requested to dispute the account below I have know knowledge of nor did I authorize with the XXXX credit credit bureaus. 

Upon the investigation XXXX determined that the unauthorized account would be resolved and removed from my credit report. 

Transunion XXXX XXXX are still reporting this on my credit which is preventing me from closing on my home loan. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$7300.00} OPEN {$7300.00} XXXX $ XXXX {$7300.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX History : XX/XX/XXXX ; XXXX ACCOUNT INFORMATION DISPUTED BY CONSUMER ; FACTORING COMPANY ; ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I call them to see if I can my late fees and interest fee to be taking off but they didnt want it
Product: Credit reporting or other personal consumer reports

Experian verified this account was accurate and i seen my credit report and seen alot of discrepancies and inaccuracies and these errors are in direct violation of my rights under the Truth in Lending Act ( TILA ). The TILA protects consumers by ensuring accurate and fair credit reporting. I demand that you immediately remove this inaccurate account from my credit report. If this account is not removed promptly, I will be forced to pursue arbitration due to fraudulent activity.