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

I have been attempting to obtain my free TransUnion Credit Report via XXXX for over 9 months and it has not been available despite me calling XXXX and TransUnion Credit Reporting Agency. I spoke with TransUnion on XX/XX/year> and the Customer Service department told me that they would refer my account to the account maintenance department and that it would take 5 days to process my account and that it would be available after that. I called back after 5 days and they could still not figure out why my credit report was not available for free through TransUnion website or XXXX. They both told me that they would send me a copy of my report in the USPS mail ; however, I told them that I still needed to be able to access my credit report on a weekly basis as required per Federal Law through XXXX. They closed my account on 3 occasions and had me restart my account though TransUnion with new Usernames and new passwords. I still am unable to access my free credit report through TransUnion Online and unable to access my free weekly TransUnion credit report through XXXX.
Product: Credit reporting or other personal consumer reports

Remove these account from my credit report because the payment history reflects continued reporting a charge off after these account were closed. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX Balance : {$21000.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX  XXXX Balance : {$0.00} DEPTEDXXXX  XXXXBalance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00} DEPTEDXXXX XXXX Balance : {$0.00}
Product: Debt collection

Everyday of the week for the last couple months same numbers calling repeatedly, even if I answer they hang up. I ask them to not contact. day and night phone calls even on Sundays, its giving me XXXX and stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. He was notified by your XXXX/XXXX of a fraudulent application submitted with his information without his consent. An inquiry was made into his XXXX credit report XX/XX/XXXX related to that fraudulent inquiry. While no account was established the application left the fraudulent inquiry. An official dispute of this activity was mailed certified return receipt to XXXX  XX/XX/XXXX however as of this date no reply has been received and no update has been given. The same activity happened with XXXX XXXX XXXX ( Ref #  XXXX concerning the fraudulent application ). An official dispute was faxed to the fraud department of XXXX XX/XX/XXXX and to this date no reply or update has been provided. Lastly, Capital One did have an account established ( acct # XXXX ) using my client 's information without his consent. This account has a balance of {$3000.00} dollars associated ; an official dispute was mailed certified with return receipt XX/XX/XXXX however as of this date Cap One has failed to reply or update the status of this dispute. These actions by these bank illustrate the failure of these bank to follow the FCRA and how the rights of consumers are still being violated.
Product: Credit reporting or other personal consumer reports

fraud, identity theft to be taken off : credit report showing someone using a Nebraska Identification card, and inquiries unknown, misc stuff coming up on credit report not done by me. personal information also listed wrong, phone numbers, addresses, spelling of name etc.
Product: Bank account or service

BOA has not closed my account after multiple requests and continues to charge fees. Currently they have charged {$1.00} as a " minimum payment due.
Product: Money transfer, virtual currency, or money service

Zelle didnt offer to verify recipient of money transfer.
Product: Mortgage

Pulte sold me a house promising incentives if I use Putle Mortgage. They assured me that their rates are competitive and that ofcourse they would want people to buy their houses. They pre-qualified me with a reasonable rate that was in line with other banks and took a down-payment. Now it's time to close and Pulte is not giving me a fair rate or mortgage option. My credit score and income have only gone up since pre qualification and yet Pulte 's rate offer to me is 43 % higher than quotes from other major national lenders. This will now potentially lead to closing delays for me to get the rug pulled in the last minute by Pulte. 

My problem above doesn't even go into high pressure sales tactics used my pulte loan consultants who have given a myrade of reasons why I should pay them points worth XXXX 's of XXXX XXXX XXXX and if I don't do it now, rates may even go higher. This was in XX/XX/2023, when rates are already at 7 %. Overall I feel like every step of the mortgage process was trying to take advantage of a first time home buyer.
Product: Checking or savings account

For several weeks Simple Bank sent notifications from BBVA Compass saying that they would end the Simple Bank service but for the time being we would keep our account numbers and continue to use BBVA Compass service to manage our accounts. On XX/XX/2021 they shut down Simple online access but I was not able to create or log into an account through BBVA. I tried the following : - if I try to log in : credentials not valid, account locked - if I try to recover my username : information is not valid - if I try to recover my password : my information does not match the records - if I try create an online account : every username that I pick is not available I managed to use the automated phone system to check the balance of my checking account but I was not able to check the balance of my savings account. The phone system said my savings account could not be identified. 

I tried calling BBVA customer service but gave up after being on hold for a long time and after seeing tweets from BBVA that they were having issues with their call center causing them to drop calls. 

All I want to do is log into my online account through BBVA so I can verify the status of my checking and savings accounts.
Product: Credit reporting or other personal consumer reports

Sent the XXXX XXXX certified letter over 40+ days ago regarding fraudulent inquires on my account and haven't received a response. So I then called and they didn't address issue over the phone either.

Also sent the Transunion bureau certified letter which they responded to with solicitations for their services and disregarding the reported fraudulent inquiry I asked to be removed. 

These need to be address immediately as it's negatively impacting and misrepresenting my credit report
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's 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 CFPB 's 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: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my fe

derally protected consumer rights to privacy confidentiality under 15 USC 1681. Acco
unt name : XXXX XXXX account number XXXX, Account name : Child support XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> 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 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any investigation 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 furnished 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 supposed to 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

I have credit inquiries and accounts that I am unaware of. I wrote XXXX, XXXX, and Experian over 45 days with no response. I have attached a copy of the incorrect information and identify theft letter. 

Please help. Thanks.
Product: Debt collection

My name is, XXXX XXXX XXXX, I live in XXXX XXXX, Kansas. On XX/XX/2018 I received a letter from the XXXX  XXXX XXXX out of XXXX XXXX, Kansas stating that I owe an outstanding balance of {$8100.00}, of which includes the {$2500.00} hiring fees of the person ( s ) attempting to collect on this debt. 
Outside my home people drive by yelling out, " You owe restitution '', " It has to be paid ''! 
I am harassed everyday of my life by this! At work I'm subjected to every inadequacy possibly imagined because of this. 
The real truth of this matter is that I am being wrongfully charged for this collection. I'm not responsible for this. I was assessed this fine by a Court because they had no one else to pin it on. I have been in contact with this Court multiple times, both via phone and email, to reconcile this matter but they determined that it would be best to just send it to the aforementioned collection agency. And I have been harassed about it, both in my professional life and personal life, everyday since.
Product: Debt collection

I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof
Product: Credit reporting, credit repair services, or other personal consumer reports

Issue with Chase Bank XXXX Credit Card XXXX Unfair credit reporting / Unclear communications regarding status of fraud dispute / Unpleasant interactions with customer service when attempting to resolve : XX/XX/XXXX - Fraud charge on credit card account - {$21.00} XX/XX/XXXX - Receive potential fraud alert from Chase. Confirm fraud and receive message that card is now locked. 
XX/XX/XXXX - XXXX XXXX  charge on credit card account made from TV ( not sure how this went through on a locked card but it seems to have processed ; Unsure at the time if this was real or fraud ) - {$3.00} XX/XX/XXXX - Late Fee incurred- {$28.00} XX/XX/XXXX - Interest charged- {$2.00} Exact Date Unknown - Call Chase regarding fraud and locked card. Assured they received my initial response and " everything is already taken care of '' XXXX XXXX XXXX - Late Fee incurred- {$39.00} XXXX XXXX XXXX - Interest charged- {$3.00} Exact Date Unknown - Call Chase again inquiring as to why I am being charged late fees on a locked card with active fraud charges. Told " it's only going to hurt you if you don't pay us the balance '' ( complete change in tone and message from previous call ). 
*Sometime after XXXX XXXX XXXX, transaction is dated XX/XX/XXXX on my statement - Original fraud charge of {$21.00} reversed. 
*Sometime after XXXX XXXX XXXX, transaction is dated XXXX XXXX XXXX on my statement- Late Fee of {$39.00} reversed. 
XXXX XXXX XXXX - 2x Interest charges reversed - {$0.00} and {$0.00} Summary : Original Fraud - {$21.00} ( fully reversed XXXX  months after initial charge, took XXXX  fraud alert confirmation and XXXX  phone calls prior to reversal ) Real Charge - {$3.00} ( Unsure, at the time if this was real or fraud ) Late Fees and Interest - {$72.00} total ( {$39.00} reversed ) Learned Chase had reported a late payment to my credit report associated with the lack of payment for XXXX  while the fraud charges were being disputed. 

XX/XX/XXXX- Told these reports are accurate and can not be reversed due to the {$3.00} charge that was made from a TV after the fraud alert was confirmed and the card was locked. Cancelled Card.
Product: Checking or savings account

On XX/XX/2024 my bank card was used fraudulently. I filed a claim that same day and wasnt assisted because I had to call back once the transaction posted. They only issued a new card. Once I called back to file my claim, I finished the process, & then they denied giving me temporary/provisional credit until the matter is fully resolved. I requested a supervisor and asked for company legal policies and questions regarding the FDIC & customers being insured. The supervisor didnt have an answer to my questions & instead answered something else I didnt ask, & then proceeded to repeat themselves over and over. I requested a manager to further assist and answer my questions, the supervisor declined my request and advised to contact an attorney. The supervisor then hung up in my face. Truist does not like giving customers there money back even though were all insured up to {$250000.00} by the FDIC. This is the first Ive ever seen a bank hold customers money whos insured & has no definite answer on any credits to be provided while they complete their investigation. Once this dispute is resolved I will be closing my account, please stay away if you can. The supervisor who declined to answer my questions, hung up on me, & denied my request for a XXXX was XXXX XXXX out of XXXX, XXXX.
Product: Checking or savings account

On XX/XX/XXXX, my husband and I dined at the XXXX XXXX XXXX XXXX. Our bill came to {$77.00}. My husband and I have two separate PNC accounts. I tried to pay with my debit card, and I was told it was declined. My husband then gave them his debit card. It too was declined. He then used his XXXX Card. The payment was accepted. We both were concerned about our accounts, so we checked and both accounts had the money in the accounts to pay the bill. My husband and I have been back and forth with this bank disputed pending charges for the above amount, and subsequently posted charges of {$77.00}. I had three of these post to my account. My husband had two. They gave us provisional credit for these charges on each account, and launched a supposed " investigation '', but ended up reversing a provisional credit off of each account stating that the vendor stated that they did you the PNC card to pay the bill. We provided my husband 's XXXX card statement and a transaction tape from the XXXX XXXX credit card terminal proving it was only paid from the XXXX card. Here it is XX/XX/2020, and PNC said they are now reversing his provisional credit of {$77.00} stating the XXXX XXXX confirmed that his PNC card was what was used to pay this bill, even though he already provided proof it was not. He went into a branch yesterday and they refused to do anything about this. I worked in banking for 5 years and have never seen a bank pull something like this. This is not their money. This is my husband 's money and he would like it back. Please advise us on what we can do. We feel helpless.
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that you eliminate the erroneous late payment from my account. Given my track record of timely payments, it is unjust for me to be penalized for an error that is beyond my control. I respectfully urge you to update my account with the accurate information as soon as possible.
Product: Debt collection

I received the first call on XX/XX/XXXX about unpaid amount from an incident on XX/XX/XXXX for a bill that was mailed in XX/XX/XXXX. I was made aware of this mail due to the call and I informed them that I have moved in XX/XX/XXXX to a new address, which I gave to them - I asked them to please mail or email me the information in order to see the fines and services that I am paying for. How am I suppose to know if this is a legit call or not? This is my first time having an incident with any hospital bill.From then I get call after call, but am busy since they call during working hours. I travel for work weekly and had a Go-Live XX/XX/XXXX with issues afterwards.I then get a call today, XX/XX/XXXX where they informed me that if I don't pay now that it will be marked as non-complaint. The supervisor / manager kept on harassing to pay now and that it's overdue even after I tell him what had occurred.  I told him I am at work and can't do this at the moment, which he replied that I said I was going to dinner last time and didn't call back. I told him I didn't receive the XX/XX/XXXX bill, I have paid other bills that I have received and wanted to make sure that this is a legal company along with understanding the payments. It's a scary subject and he didn't understand that this is my first time dealing with this and I don't want to get in trouble or have it affect my credit score but needed all the facts. When reviewing the bill it had no information just that I owe an amount of money from an incident on XX/XX/2018. He kept on saying "You wait for the debt collector to make your payments? This is affecting you and your credit score. What kind of research are you even doing? Why can't you pay now? Give me your credit card information so I can do it for you? How will I know if you don't pay?" and kept on going with the questions / interrogation. I informed him it's hard to do this because of him harassing me. It was intimidating and aggressive form of pressure, I just wanted to understand why I am being informed so late on this issue and what the bill is.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint that still have not been resolved. Below is the original complaint message : I have recently reviewed my credit profile and seen some inaccurate information. Auto market of Florida is claiming that I owe XXXX. I recently tried disputing with XXXX and Transunion this past XXXX but they gave a response stating that the information was correct. The FCRA law of accuracy states that It is the credit reporting agency 's responsibility to report only true information it also says, the reported information should reflect MAXIMUM accuracy. Also, the collection is in breach of the North Carolina statute of limitation which is 3 years. This account has been closed since XX/XX/XXXX which is 5 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXX 

XXXX 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

I have been disputing a XXXX account that was opened up in my name fraudentaly. I kept getting the run around and being told that the account was verified as mine. I was completely fustrated as this fraudulant information on my credit reports was negatively affecting my credit score. I finally spoke with adrianna in the fraud investigation department for XXXX. XXXX ... .I was also given another number to call in the recovery dept XXXX ... .I explained to the rep that I just called that number and was transferred back again. I explained that this has been ongoing and I did not open this account and I am requesting to speak to someone in the fraud dept. I was transferred to adrianna and after a 1/2 hour she confirmed this account will be removed from the credit reporting agency 's. I followed up with this information myself to the XXXX credit reporting agency 's. Equifax at first would not let me re-dispute this information. I was told I can add a statement to the dispute so I was transferred again to someone else and added the statement. I am in hopes that finally this fraudulant information will be removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I have identified information on my credit report that were not authorized. I'm a victim of Identity theft and this information is inaccurate. The other Bureau is not reporting this information.
Product: Debt collection

My complaint is with the HFD, a payment plan company of XXXX. I sent in impressions and photos to start my treatment and received the first few aligners to start my treatment plan, the very first aligner that I had received never fit, they instructed me to send more impressions and photos in order to start treatment and that was the very last communication I received from XXXX. 

When I signed up for XXXX, they had me start a payment plan with Healthcare Finance Direct, LLC and I've been paying every month. I found out that XXXX has filed XX/XX/XXXXXXXX and has been completely liquidated and all aligners and treatment plans have completed stopped. They have never reached out to me and there was absolutely no further communication to me regarding their closure and I've never had a chance to start my treatment. 

HFD just today ( XX/XX/XXXX ) told me to continue making payments in order to not be sent to collections. I have been paying this bill of {$77.00} a month for months now and still never having started my treatment plan, yet I'm still being threatened by HFD to pay my bill. 

I believe and feel that it's illegal to insist on payment when services have never been rendered. Not only is this illegal, but I should be due a refund of the amount I've paid. Again, I was never able to start the treatment. 

I sent my initial impressions in XXXX and my total bill was XXXX. I've paid {$700.00} so far and still owe {$1000.00} per HFD. 

Please advise. Thank you so much.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX