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

I charged an airline ticket on my Capital One card. The airline was XXXX and they are located in the XXXX. 
The problem : XXXX sent me an email with my booking and itinerary. The booking, the itineraryeverything, was under the name Mr. XXXX XXXX. I am a female! I could not risk going to the airport and being screened by the TSA with a bogus ticket that did not match my person or my passport. 

I called Capital One and tried to get this mess straightened out. I asked that they cancel the Mr. XXXX XXXX ticket. Nobody knew anything and I wasnt sure if the ticket was cancelled or not. The Capital One representative insisted that all I had to do was dispute the charge. He erroneously stated that the charge would go away, period. ( The Capital One rep was from another country ). 

I had no choice except to purchase a duplicate ticket. This time I used my XXXX XXXX. I would not have purchased a duplicate ticket if the first one ( charged to Capital One ) had been accurate!
Product: Credit card

I have been making consistent payments since XX/XX/2023 so that I can pay off my credit card balance. I am asking the credit card company to close out my account with a final payment of {$77.00}. The balance continues to increase and I have been increasing the payment amount to {$50.00} and {$100.00}. I need my credit score to reflect my payments.
Product: Credit reporting or other personal consumer reports

This account has been on my Experian XXXX and XXXX since XX/XX/year>2016 thats almost XXXX years! 
Its has been charged off XXXX times when its not even my account! Its has been a terrible impact on my credit and when calling customer service they are the most terrible individual you can speak with over the phone including hanging up in your face. 
according to 15 USC XXXXXXXX XXXXyou have violated my rights by in lawful communications. 
please remove this collection off of my credit report thank you.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX  XXXX Balance : {$37000.00} XXXX  XXXX Balance : {$50.00}
Product: Checking or savings account

On XX/XX/23 I went to a Truist branch location to deposit a {$250000.00} check drawn on a Truist account. I requested to deposit the Truist check into my Truist checking account and then pay the HELOC balance ( approximately {$170000.00} ). The first representative told the teller to cash the check, pay the HELOC, and deposit the remainder in my checking account. The branch manager then came over and told the teller not to do that and to deposit the check into my account. The branch manager then loudly explained that they could not cash a {$250000.00} check. When I explained that I didn't want to cash it, I wanted to deposit it and pay off my HELOC to avoid paying additional interest he loudly stated again that with a large deposit of {$250000.00} they could not do that. I explained that the other representative said they could do that to which the branch manager said loudly again that they couldn't do that with a {$250000.00} deposit. I asked him why, in a room filled with people, he would loudly state the amount of my deposit. His disregard for my privacy by announcing the amount of funds could very well get me robbed! The teller then stated that only a deposit of the Truist check to my Truist account could be made and that a hold would be placed until XX/XX/23. I explained that the money is in Truist and that a hold will cost me over {$100.00} in interest on the HELOC as I am not able to pay it off. The teller stated there was nothing she could do. The Truist check was deposited into my Truist account. Now I must wait out 5 days to pay my HELOC account. This delay, will cost me approximately {$140.00}.
Product: Checking or savings account

On XXXXXXXX XXXX XXXX  XX/XX/2024 I transferred {$4800.00}. from my Chase Checking Account an account in another bank. I was suppose to have access to this money on XXXX  moring in the other financial institution. Once again Chase did not process the transfer of this money until XXXX, not XXXX  when I actually needed the funds in the other account. I addition, I paid my credit card bill at the same time {$560.00}. Chase immediately removed the money from my checking account and did not pay the off my credit card. Instead, Chase is able to quickly remove the money from my checking account but they take their time in transferring the money to pay my credit card bill. This is causing a problem in keeping my credit card balance up to date as well as causing me a problem in managing the flow of cash in my account.
Product: Debt collection

A few months ago i contacted XXXX XXXX XXXX in XXXX pa regarding a bill that was XXXX. I paid a XXXX deductible and i was told that this was all i would owe at the time of service and if anything the next bill i would recieve would only be a few dollars more. It turned out the hospital didnt tell me that i would get that additional bill of XXXX. They told me the XXXX was all i would owe and billed me for XXXX.i disputed the claim by mail. I never recieced a call or a letter from the hospital after i wrote to them to try to settle the amount since they failed to notify me on what my insurance would cover and any additional cost after. I tried to negotiate it for 1/2 of the price they never got back to me nor did they notify me that they would be putting this on my credit after i attempted to settle the debt. Turns out i moved and still didnt recieve a letter regarding the balance but my credit dropped 30 points and they didnt get back to me as i requested them not to call me my cellphone is broken and to notify me by mail only. No attempt to settle nor resolve a problem that they caused after they told me this would be all that i would owe. I shouldnt owe anything if i paid my bill in front the day of service. They shouldve contacted my insurance 1st.
Product: Checking or savings account

In response to an unsolicited internet ad I opened a checking account online with PNC Bank. I had been a customer in the past and was not impressed with them and closed the account. With the prospect of new management and a {$200.00} bonus ( terms attached ), I decided to give them another try. The deal was to have direct deposits of at least {$2000.00} made to the account within the first 60 days from opening. The deposits were to be made from a regular month income source like pension, employer, etc. I am a publisher, writer, and editor. I had one of my clients send my usual monthly earnings to this new account as the offer required. His payments came from his business account which I verified with PNC Bank. The payments were made by nbkc bank which denominated them as XXXX payments despite the fact that they were made from a business account to an employee. PNC Bank refused to honor the bonus insisting that XXXX payments did not count. I contend PNC requirements are contradictory. These payments were indeed money earned from an outside source, a sole proprietor, who paid from his bona fide business account as he does for all the people who work for him. This is the elevation of form over substance, and wrong. I should be awarded the {$200.00}. The money was due on XX/XX/year>. I contacted them on XX/XX/year>, and since then they have refused to pay the bonus telling me they are still " thinking about it. '' Since the terms of the offer contradict themselves, that is, business payments can be denominated as XXXX at least at some banks and for some sole proprietors, this is a deceptive and abusive practice as noted in the CFPB circular at pages XXXX attached. Note also how long the ad is and how hidden are the terms of the offer. " Hiding elephants in mouse holes. ''
Product: Debt collection

The XXXX XXXX from Ohio, also known as the HMC group, called me on XX/XX/XXXX saying I owed XXXX dollars in medical debt. They threatened to pursue legal action against me if not paid. I immediately called me hospital and talked to the head of billing and they said I had paid off all my bills from my er visit and that they do not use hmc or the XXXX XXXX for collections. I called the collection company back and they began to be very rude and said I was accusing them of lying and that I spoke to all the wrong people. They never once explained to me that I could dispute this collection. And NOW I see the collection is on my credit report. I am very frustrated and dont know how to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF DEFAULT AND OPPORTUNITY TO CURE : TransUnion has not now nor have you ever had any firsthand knowledge of any matters including my personal, private, non public transactions between myself & any companies or corporations that I've done any business with as a consumer. You are hereby in violation of federal law and this serves as notice and acceptance of my original demands sent to your company via certified mail # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and received and accepted by TransUnion LLC on XX/XX/2023. ( see attached ) Certified Domestic Return Receipt. It included a notarized Affidavit of Truth, Notice of Dispute, Police Report and itemized list of all entries to be removed from my consumer report as you have no authority to report or furnish such information and are doing so by means of identity theft and fraud. In your letter dated XX/XX/2023 you state my request is missing essential personal identifying information or account specific information that would allow you to complete my request. This is not so, my notarized affidavit stands as truth in commerce bearing my signature completed in front of a notary and includes their stamp as witness. By law, no additional documentation is required. You also state that you can not accept my documentation, however you accepted my offer on XX/XX/2023 as included and have not returned any of my documentation. That is acceptance. In law, you shall respond to an affidavit line by line in the same manner and have it notarized by someone within your company with authorization to do so. To date, Transunion has not responded. You are in default. An unrebutted affidavit stands as truth in commerce. Transunion does not have a right, proof of authority, or my consent to furnish anything that is a detriment to my reputation, well being or quality of life. Continuing to actively furnish/report the below will be a direct violation of my consumer rights and is punishable by law. I am submitting this Notice on my own behalf, it shall not be deemed frivolous or a mistake. You have failed to fulfill your obligations under law and no valid response was received. As my original Notice stated, delete, permanently block and remove the following items within XXXX business days : ITEM XXXX : XXXX XXXX XXXX XXXX ITEM XXXX : XXXX XXXX XXXXXXXX ITEM XXXX : XXXX XXXX  XXXX ITEM XXXX : XXXX XXXX XXXX ITEM XXXX : XXXX XXXXXXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX ITEM XXXX : XXXX XXXX XXXX A few important maxims of law state : Wrong is wiped out by reconciliation.

One is not present unless he understands.

No one is bound to give information he is ignorant of, but everyone is bound to know that which he gives information about.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX notified me that there had been a hard inquiry into my account. I decided to check XXXX and saw that Discover had conducted a hard inquiry on my credit report on XX/XX/2022. I reported the fraudulent use of my information to the Federal Trade Commission. Takes 24 hours to generate a report. Reference # XXXX but the temporary password is given by FTC and it does not work with my email account. I contacted XXXX and Discover to dispute the fraudulent inquiry. Before, I had filed a report with the XXXX XXXX online when a delivery from XXXX XXXX was stolen and never delivered to my address.
Product: Credit reporting, credit repair services, or other personal consumer reports

this is my name and my address that need to be on my credit report social seurity number XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX n.c XXXX/ XXXX/ this need to be on all credit reporting agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 

1.XXXX XXXXXXXX Account XXXX XXXX 2.XXXX XXXX  Account # XXXX 3.XXXX  Account # XXXX 4.XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I check my credit and it showed the XXXX XXXX of XXXX the name of the collection is IC system. Someone use my social security and receive XXXX XXXX in XXXX XXXX Texas. I dnt live there so, please I want it off my credit report. This is the account number XXXX. I should get it off because I did not do this debt. I have not able to get anything because of this debt and another one that it is called a school loan the name is XXXX I did not go to school please check on that one to. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX IS REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. AND EVERY TIME I ASKED FOR A CREDIT REPORT THEY WOULD SAY THAT THEY CANT FIND ONE IN MY NAME. ON MY CREDIT REPORT XXXX IS REPORTING SOMEONE ELSE REPORT ON MY CREDIT REPORT AND IT IS IN SOMEONE ELSE NAME BUT ITS STILL ON MY CREDIT REPORT. 
TRANSUNION REFUSE TO GIVE MY CREDIT REPORT AND I SEND IN THE REQUIRED DOCUMENTS. AS A CONSUMER I HAVE THE RIGHT TO KNOW WHAT IS ON MY CONSUMER REPORT.
Product: Mortgage

I have been trying to get a modification to an existing mortgage for 3 +  years. Every time I submit the information that they requested, they state that they want additional information. I must have submitted the information at least 10 times. Last week they stated that they had all the information that they needed. Two days later they stated that I had to start over and submit everything again new. I did do that, but they said that they did not have enough time to do the required work. The property is now scheduled for foreclosure sale on XX/XX/2018. This is an example of the worst customer service I have ever seen.I now am working and could afford to make the mortgage payments, but they are not offering me that option. Please help. I have attached a document that shows the fax 's I have submitted. This is only the top page of 5 pages of faxes.
Product: Credit reporting or other personal consumer reports

An account with XXXX XXXX appeared on my credit report. After finding this i made contact with the company and they refuse to understand the account was opened fradulately. I have absolutely no clue how they perform business but I have personally never done any of the business described and they refuse to remove this from my credit report. I am not responsible in any way for this account and it has been damaging my credit for years. I want this account removed. Transunion dispute center also refuses to remove the account from my profile.
Product: Money transfer, virtual currency, or money service

I intended to XXXX {$1500.00} to my friend 's account at XXXX XXXX XXXX. Unfortunately, the money was Zelled to XXXX XXXX XXXX, which is wrong phone number. I called the individual several times and even send a text to the number to refund the money back to my XXXX account. The individual has never responded. 

I reached out to my bank, XXXX XXXX, they said there is nothing they can do because the money had already left my account. I called XXXX and said to contact the client 's bank, Bank of America. Bank of America said they can only conduct an investigation if they get a report from XXXX. XXXX refused to start an investigation for the process. 

This is now between Bank of America who is the client 's bank and XXXX who owns the platform. They can trace the individual through their phone number provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I my mortgage was approved for forbearance. At the time my XXXX payment had not been paid. I was told over the phone by an employee of LoanCare that once I submit my XXXX payment that my account would be current and would no longer report PAST DUE. On XXXX XXXX I made my mortgage payment which I then believed brought my account to current as I was previously told. My loan was in forbearance from XXXX. This company reported my loan as past due for every month my loan was in forbearance even after me bringing it current. I have reached out to them countless times and they still have no resolution for me. The last letter I sent out was XX/XX/XXXX. This is affecting my life in a negative way. This is inaccurate information.According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts. With that being said I demand all late payments reporting from XXXX XXXX this account to paid as agreed, never late and the account report as current.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XXXX 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. 
These accounts are not accurate XXXX XXXX XXXX : Reference Number XXXX
Product: Credit card

I opened a care credit account, backed by Synchrony Bank, in XXXX when my cat had to have emergency vet treatment. My opening credit limit was {$800.00}. I have worked hard to pay down this account and paid it down to {$460.00} hoping that having this account not be at my max credit limit would help my credit report as I now pay down the other credit cards that were used. 
In XXXX of XXXX at my lowest amount used if {$460.00} out of {$800.00} Care credit/Synchroney bank lowered my credit limit to {$550.00}. Putting me right back in the 90 % of credit used category. 
This is a predatory practice that keeps the consumer in a constant state of negative reporting. As you pay down the account the limit shouldnt also go down with your balance. How are consumers supposed to ever improve their credit and buying power?
Product: Checking or savings account

Bank of America opened an account online ( savings and checking ) in my name, with no identity documents and no deposit. It was not me- it was fraud. I tried calling twice in XXXX, held 40 minutes and 1 hour respectively. I then made an appointment with the branch at XXXX XXXX in XXXX XXXX, MO. I was there for 50 minutes and no resolution, but I did find out they opened it without identity documents and without a deposit. I only found out about the account when I received a statement in the mail because the accounts were drawn negative by a fee. Somehow they had my address, SSN, and DOB to open the account. They didn't have my current employment nor work number. 

The account representative at the branch stayed on hold with the fraud department the entire 50 minutes I was in the office, to no avail. I left with a number to call the fraud department and called a third time, held 65 minutes and finally spoke to someone that said they would reverse the account fee that drew the account negative and close the account. She would be sending out a fraud packet. This would seem it was taken care of ; however, the fraud packet I received in the mail asked me to send in a copy of my driver 's license, a copy of my social security card, a copy of my social security statement, a police report, etc. Pardon me, but HOW IS IT ACCEPTABLE to request the aforementioned personal identity documents through the mail, and WHY WOULD I TRUST them with such documents after what they did - opening an account with no proof of identity and no deposit? I didn't think it was legal for them to ask for the social security information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Subject : Inquiry Regarding XXXX 's Access to My TransUnion Credit Report Dear CFPB, I am writing to express my concerns regarding XXXX access to my TransUnion credit report. I have recently discovered that this company has been reporting false and misleading information about my credit history, in violation of the Fair Credit Reporting Act ( FCRA ). 

I would like to clarify that I did not provide written consent for XXXX to access or display any of my accounts or non-public financial information on their platform. This unauthorized access raises significant concerns about my privacy and the accuracy of the information being reported. 

I am requesting that the CFPB investigate this matter further, as it appears that XXXX is not complying with the regulations set forth by the FCRA. It is crucial that consumers ' rights are protected, and I believe that the actions of XXXX warrant scrutiny. 

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

Sincerely,
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX continue to report inaccurate information on my consumer report. My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX even with all my repeated attempts to get my information updated so it can be correct the credit bureaus have not updated the information.