23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

From the 2nd week of XX/XX/XXXX until now, XX/XX/XXXX, I have called repeatedly several times a week in an attempt to get loan/account information on my account. My soon to be ex-husband who no longer occupies the home filed a XXXX  XXXX bankruptcy on XX/XX/XXXX. Since the filing, every time all call to speak with someone to get any kind of information pertaining the status of my account or to make payments, I am constantly being told that I need to get written authorization from my soon to be ex or his attorney in order for the mortgage company to speak with me. I have called repeatedly, several times a week, and to no avail, no one will speak with me. 

I was in the middle of a modification when he filed and now things are falling further and further behind, no to mention no one will speak to me regarding where my account ( status of modification, if foreclosure has started, etc. ) stands because of his filing. 

This is unfair, I am not the one who filed bankruptcy, but I'm having to suffer because the mortgage company refuses to speak with me. Can someone please intervene. 

I do not want to lose my home.. I have been paying the mortgage since my ex-husband has been out of the home and I would like to resume making payments and to be able to stay in my home.
Product: Credit reporting or other personal consumer reports

Dispute inaccurate and/or incomplete information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies like Equifax are required to ensure the maximum possible accuracy of the information they report. Additionally, the Consumer Financial Protection Bureau ( CFPB ) has emphasized your obligations to promptly and thoroughly investigate disputes.

Equifax has recently been fined for failing to meet these obligations. This demonstrates a pattern of negligence in maintaining accurate credit reporting standards. I urge you to take this dispute seriously to avoid further regulatory issues or violations of my consumer rights.

The following items on my credit report are inaccurate : XXXX. XXXX XXXX- {$960.00} XXXX. XXXX XXXX XXXX {$1700.00} I demand that Equifax : 1. Conduct a complete and thorough investigation of this matter.

2. Correct or delete the inaccurate information immediately.

3. Original Creditor Agreements A copy of the original signed contract or agreement that demonstrates your consent to open and use the account.

Proof that your name, signature, and other identifying details match your information.

4. Account Statements Detailed account statements from the original creditor, showing transactions, balances, and any payments made.

A timeline of the accounts history, from inception to the charge-off date. 5. Proof of Debt Transfer or Sale If the debt was sold to a third party ( e.g., a collection agency ), request documentation proving that the debt was legally transferred, including : The bill of sale or assignment agreement.

A breakdown of the amount owed, including interest, fees, and principal balance.

6. Validation of Debt A debt validation letter showing : The original creditor 's name.

The amount of the debt.

Evidence of how the amount was calculated.

7. Identity Verification Any documents used to associate the debt with you, such as : Copies of identification documents they used ( e.g., SSN, ID, or date of birth ).

Address information linked to the account.

8. Charge-Off Records Documentation explaining how and when the account was charged off.

Verification of compliance with legal and regulatory requirements during the charge-off process.

9. Credit Reporting Documentation Evidence showing that Equifax has verified the account with the creditor.

Confirmation of the date the account was added to your credit report and any subsequent updates.

10. Authorization of Credit Check Proof that you authorized the creditor to check your credit and open the account under your name.

11. Provide me with a copy of the updated credit report reflecting these changes. Please note that failure to address this dispute within the legally required 30 days will result in further action. I trust you will handle this matter promptly and professionally.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I send my girlfriend of 4 years and have sent her money using the same Western Union Numerous times. This time I sent {$2500.00} dollars to the same person that is saved on their website that there was never a problem before so why now. I was told i was being defrauded by my girlfriend and they were protecting me. one i don't need their protections. I called before and i sent it and talked to Western Union and was told it would be no problem send this amount of money. Now that they have cancelled my transaction for no reason, they won't return my money for 5-7 days if this is XXXX XXXX i don't know what is. So now my girlfriend can get here medical test for her and her son. because we now don't have the money to pay for it. Now i had to borrow XXXX from a friend i had to pay higher fee 's this can't be legal.
Product: Debt collection

I cancelled my gym membership with XXXX XXXX ( XXXX XXXX ) by following their email instructions. I never missed or made a late payment, so I didnt owe them anything. Now, I see a collection for over {$200.00} from XXXXXXXX XXXX XXXXXXXX, claiming I owe money. I provided proof of cancelling the account, but they still sent it to collections. This feels like a scam to me.
Product: Credit card or prepaid card

I mailed a Sears credit card payoff XX/XX/XXXX. The check had my name and last 4 of my account on it. It was cashed and not applied. I called multiple times wondering where my payment was and why it had not been applied yet. Finally, I sent a copy of my cashed check and they said they found it and it would be backdated and applied. It is now XX/XX/19 and it says I am due for XXXXXXXX XXXX payment and it has still not been applied to my account. I received a letter that said it would be applied within 2 billing cycles. I should have a credit of over {$200.00}. This is completely unacceptable. She is looking at the check while I am on the phone with her and it was cashed a month ago and it is still showing up on my credit report that I owe over {$1100.00} when I should have a credit. She can not explain to me why it can take up to 3 months ( if you include the time it was cashed ) to apply this payment to my account.
Product: Credit reporting or other personal consumer reports

Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, Subject : Request for Description of Investigation Process - Disputed Accounts on Credit Report Dear Sir/Madam, I am writing to request a detailed description of the investigation process followed by your agency regarding the disputed accounts on my credit report. The first investigation was requested on XX/XX/year>. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i ( 7 ) credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. Additionally, under the Truth in Lending Act ( TILA ), 15 USC 1601, it is imperative that all credit information provided is accurate and transparent to protect consumer rights. Below are the details of the disputed account : **Account Name : ** XXXXXXXX XXXX XXXXXXXX XXXXXXXXAccount Number : XXXX XXXX
Product: Mortgage

This year I have tried to fix my credit and tried to refinance but unfortunate I couldnt because my credit showed I had like 8 missed payments on my mortgage. I tried calling land home and financial to see why I had so many payments that were late and they said they werent. All my payments were made between the 30 days thats why I asked why their showing 30 days late. Right now Im on furlough and Im trying to refinance my house to get a smaller payment but Im having a lot of trouble just because of the missed payments.
Product: Mortgage

PHH Mortgage Service continues to delay the process for the underwriters to complete my Maryland Homeowners Assistant Program grant. I have called and written to them and they continue to delay the process. PHH has failed to include complete and accurate information concerning my loan. Including remediating my loan for the harm it has caused, including the problems it has created for my struggling situation. PHH continues to engage in significant and systemic misconduct at nearly every stage of the mortgage servicing process. PHH Mortgage breaks abusive acts or practices and other federal consumer financial laws. The attachment mortgage statement will show the errors of what PHH Mortgage is displaying as illegal act to the consumer.
Product: Credit reporting

I got an email from TransUnion [ TU ] stating, " Show me my score now. ' When I clicked on it, it gave me an erroneous score of XXXX, down from last month the last time when it was XXXX. I called them and they told me that there must be negative factors and they have a different score than XXXX. I check my score every month thru XXXX XXXX which lists my TU score at XXXX. I also checked with Free Score Online, which also lists the score at XXXX. Even the TU website lists my score as XXXX -- so the question is, which score does TU give out to inquiries, the emailed score or the internet score and why is there a discrepancy between the XXXX? TransUnion has no reason to list my score as XXXX.
Product: Money transfer, virtual currency, or money service

My wife received a call from " Bank of America '' about a fraudulent attempt to transfer money from our checking account to XXXX XXXX XXXX. The caller had our account number, telephone number, and name. The date was XX/XX/XXXX, XXXX XXXX. Using very persuasive language, the caller prompted my elderly wife to transfer {$3500.00} using XXXX from our checking account to an account with XXXX. Upon learning of this, I suspected fraud and contracted the Bank of America Fraud Division to which they stated this has been a serious ongoing problem with XXXX, XXXX, and others. A XXXX XXXX representative also stated the same. 

We submitted a claim to BOA for {$3500.00}. 

In my opinion, the Bank of America should have stopped the use of this third-party entity for the protection of their clients once they knew of the fraud being perpetrated on their customers. The Internet is full of examples of this happening.
Product: Credit card or prepaid card

American Express charged annual fees for my Gold Rewards and Hilton Surpass credit cards during the pandemic when we were in a global lockdown and any travel that was permitted following select openings involved weeks of quarantines on both ends of the travel. My family got covid during the pandemic and we were in lockdown for a period. The fees charged are specifically for perks offered by American Express and their travel partners, including the ability to accrue additional points. This is all meaningless if you can't travel. 

In the middle of the pandemic, on XX/XX/XXXX and again on XX/XX/XXXX, I was charged annual fees of {$250.00} each year for my Gold Rewards card ending in XXXX. On XX/XX/XXXX and again on XX/XX/XXXX, I was charged {$95.00} annual fees each year for my Hilton Honors Surpass Card. On To elaborate on what the annual fees get you, I'll give an example with the Hilton Surpass Card. You receive Gold Status, extra points when you stay at Hilton properties, priority pass select that gives to access to airport lounges, and no foreign transaction fees. I don't even know where to start with explaining how absurd it is that American Express is not refunding these annual fees, but almost 4M people have died from covid and they were charges these fees at times when bodies were being stored in trail

ers because we ran out of room. Yet, fortunately, I was charged fees so I could go travel the world and stay at Hilton hotels and buy plane tickets on my Gold card. Bottomline is I paid fees for services and features that American Ex
press was not able to provide because we were under governmental lockdowns and their travel partners were closed or heavily restricted for much of the year and are still restricted in many respects.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion several times regarding inquiries that was not initiated by me. They refuse to remove them. I would like proof of these inquiries. They are as followed : XXXX /XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX
Product: Vehicle loan or lease

In early XXXX, XXXX, I became aware that my XXXX, XXXX payment had been rejected because of a dispute I did not initiate. I sent verification twice, of said payment in the form of a copy of the appropriate page of my bank statement on XX/XX/XXXX, and XXXX. I also sent the same documentation directly to a supervisor, of which she verified receipt on XX/XX/XXXX. My Westlake XXXX, XXXX statement shows that the XXXX payment was made. I do not recall the date, but during my numerous calls to Westlake Financial, I had an employee of my bank verify the XXXX, XXXX payment had been made and the funds WERE NOT returned to the bank regarding the dispute. 
I was told initially that the problem would be resolved in 2 weeks. I have heard nothing regarding resolution, other being told every time I call, that it will take 2 weeks. I can not speak to anyone with the authority to resolve this matter. I want my XXXX, XXXX credited to my account, so that my account will be current through XXXX, rather than my account being late. I have religiously made my payments at least 10-15 days in advance of the due. I was not made aware if the rejected XXXX, XXXX payment until XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

Requested Written Information about the Account & Proof of Account Numbers and Amounts. Nothing was received from this Collection Agency. Never have had and Business with this Corporation what so ever. Have not Received any Written Documentation as of this date.
Product: Debt or credit management

Hello, my names XXXX XXXX and I feel like Ive been scammed. On top of the embarrassment of being scammed, I also have the fact that Ive spent XXXX grand in my debt consolidation journey, and nothing has changed. I began back in XXXX  2023, making twice a month payment of {$420.00}, with all documentation saying that a settlement would be aligned on in less than 6 months. Now here I am a 13 months in, and now the company went completely dark. The phone numbers dont work, the email address Is a void, and even the lawyer information that was provided to me leads to a fake looking website with a number that does not work. Im so frustrated and disheartened, I dont know what to do next. 
They committed to doing 2 things, settle my debt to be a fraction of what I owed, and deliver the settlement within 6 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax by mail on XX/XX/2018 and XX/XX/2018. I requested verifiable proof of the original signed consumer contract bearing my signature to verify that the information is mine and also correct. Instead, Equifax opened up disputes each time in which I did not request and stated that the accounts were updated and verified. I also requested to know who and how were the accounts verified in which I received no response. When I contacted Equifax via phone I was told that I could find the information of the creditor on my credit report and to contact them myself.
Product: Debt collection

I was laid off in XX/XX/2020 due to covid and fell behind in making my payments to XXXXXXXX XXXX ( now sold to a collection agency JEFFERSON CAPITAL SYSTEM ). I notified the company and tried to make small payments out of good faith. I've asked them to stop reporting late payments and they refused. As a result, they continued to report my payments late and my credit score has decreased. It's not that I don't want to pay them. Due to Covid and the loss of income I have been unable to. Please help, as I would like to purchase a home and this has had an adverse impact to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my transunion report, I have written to companies and no results taken XX/XX/XXXX XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX  XXXX XXXX I did not authorize this inquiry XX/XX/XXXX XXXX XXXX XXXX I did not authorize this inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX I did not authorize this inquiry XXXX XXXX XX/XX/XXXX I did not authorize this inquiry
Product: Credit card or prepaid card

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2001 with a balance of {$950.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Acr 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. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 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 I've never applied with these companies, They giving me a hard them getting them off
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to CAPITAL ONE BANK USA NA ( Date Opened : XX/XX/2016 ) agency. I paid the charge-off and do not owe anything, you promised to delete this account after payment. I am kindly requesting CAPITAL ONE BANK USA NA agency to remove this charge-off from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Product: Checking or savings account

We had safety box at our town Wells Fargo! 

I believe my safety deposit box there was drilled without proper notice. Im concerned some of my property may be missing, and I need to file a report.

Unfortunately the management of the bank is most important part of this disappointing case!
Product: Debt collection

I have called Business and Professional Services numerous times over the last three years to verify the collections that they are reporting on my credit bureaus. My daughter and husband were both sick at the same time and while I tried to keep up with all of the insurance claims and status I just could n't. When I called originally the company was reporting such a small amount that I offered to pay the accounts if they would delete them from my credit report because I was unsure which ones had been paid by insurance and which ones had n't. They said they would be happy to delete if I paid the accounts in full and I was prepared to but then the phone rep came back and said there were older accounts that were not on my report and in order for them to delete any accounts they would ALL have to be paid in full. The total was almost 700.00 more than I planned so I declined and told them I would get with the original creditor and my insurance company to verify that they had not paid those accounts. Both the original creditor and my insurance company verified that they had no records on the accounts because they were so old. When I called back and spoke to Bus and Prof and explained this they told me they did n't care and that their records indicated I owed it so if I wanted anything deleted I would have to pay it all. I feel like I am being black mailed into paying debt that no one can verify.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Debt was already to XXXX and account was satisfied by company paid XXXX has bought old credit report from third party.
Product: Credit card or prepaid card

I am being advertised a 0 % APR for 9 months 3 % balance transfer fee offer via email for my account with Capital One ending XXXX. 

On the website when I select the balance transfer offer I am given only one option to verify my identity for the balance transfer. This is by providing my mobile number so that a XXXX party can reify my information with Capital One matches the information with my mobile provider. 

However, this verification method is failing, and I have checked with XXXX my mobile provider, and the information should match. 

Capital One has refused to honor the balance transfer offer over the phone, despite advertising the offer to me, and not allowing me to complete the advertised offer online due to only providing one way to verify identity, and then having it improperly implemented.
Product: Mortgage

On the XX/XX/2019, I paid my mortgage payment of {$1600.00}. This was to XXXX XXXX XXXX. I also signed paperwork stating that I wanted my taxes reimbursed once my tax exemption was finalized. I sent all documents to them. Today I received notification that my load was sold to Gateway XXXX XXXX, a division of Gateway First Bank. The person that I spoke to on the phone a XXXX XXXX let me know that my monthly payment would be {$1100.00}, which was correct. Now that I am setting up my account, I notice my payments have increased to {$1600.00}. When I called again to see what is going on about my tax reimbursement of {$440.00}. The service person tried to say that it was for the taxes before I bought the home. I told him that I personally paid XXXX County and have proof. This mortage company is doing everything in their power to get me to overpay although they have all the paperwork that clearly states that my monthly mortage payment is {$1100.00}.
Product: Vehicle loan or lease

1. We were in the process of looking to purchase a Used XXXX  XXXX XXXX at XXXX XXXX in XXXX, FL. After going through the process and agreeing upon a final monthly payment amount. This is where it went downhill because the dealership is advertising the vehicle for {$31.00}, XXXX ( see attached online ad ) however when they presented the loan offer to us they marked the car up $ XXXX. When I asked them how did the car price increase from {$31000.00} to over $ 41k. The car salesman said it was based off of certain restrictions. I advised him that the online advertising does not state in order to qualify for this price you must meet certain requirements ( which is deceiving and misleading to consumers ). Not to mention, they claim they are paying your trade in off but in reality they aren't because they are adding the trade in value back into the loan at the back end of the loan. Therefore, I feel as though they are violating UDAAP and false advertising.