23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX, I called to set up payments from the trust account. I asked if there was anything else they needed and they told me no. They failed to tell me that I needed to produce documents for the trust, death certificate, and ID from me. I had to find out that this information was needed when the mortgage company refused to paid the insurance on the house. I called and was told about the information needed, the third week in XXXX of this year. They have been accepting payments from me and did not inform me of the situation with the documents. I have supplied the documents, but the higher mortgage payments are creating a financial hardship for me. Since the insurance I got from XXXX XXXX is canceled, I believe they are charging me for insurance they have on the property which is extremely high. They are telling me that they can not talk to me until they review the documents. My hands are tied right now and this is not helping me financially. I did not create this situation. They did. I need a resolution fast.
Product: Debt collection

LOCKHART, MORRIS & MONTGO Is a collection company and told me the company that my debt to the collections where trying to collect my debt from a medical bill from XX/XX/XXXX, LOCKHART, MORRIS & MONTGO received the debt on XX/XX/XXXX. Ive never been charged like this as many times as I go to the emergency room, and I had a XXXX in XXXX I dont see that medical bill reported nor any of my visits reported, this collection is the first and only big medical bill Ive had reported. And I dont understand why its a bill for the doctor and not the hospital. I was not notified through email as well on XX/XX/XXXX, I also dont recall being seriously ill or injured.
Product: Credit card or prepaid card

On or about XX/XX/2019, my wife was involved in an elaborate scam that requested she purchase gift cards for the XXXX XXXX and Walmart to catch a " credit card '' scammer. The XXXX logo and website were a part of all the e-mails she received as well as an " XXXX '' representative when she called. The representative said that " if she purchased gift cards they would be able to track the person trying to " Steal Money '' from my wife and others. The XXXX Representative said the money would be refunded at the end of the day. 

My XXXX XXXX card company called me ( wife and I are on the same account ) and I denied the charges. My wife then called Capital One and XXXX XXXX XXXX ( 2 other credit cards ) immediately after I told her it had to be a scam. She then filed a police report with the XXXX, CT police department of which we have a copy. XXXX XXXX and XXXX XXXX XXXX have taken the charges off of our respective bills. 

Capital One is reapplying the charge of {$1500.00} this month to our bill. This is after two divisions of their company have investigated the charge. Their claim is that they have " no rights '' regarding the charge. Their claim is that she said she made the charge ( hoping to protect herself and others from a scam artist ) .. My understanding from them is that if she had said she didn't make the charge ( lied ) it would have been declared fraudulent and all would be resolved. 

After the company said they were reapplying the charge and that I could not speak with a company representative higher than who I was speaking with, I called the XXXX police department and the officer who created the report graciously called the credit card company and spoke with someone in the law enforcement division who was unhelpful. He wrote an addendum to his original report which my wife and I also have. I can supply all the different claim numbers and even the credentials of the last representative that I spoke with regarding the {$1500.00} charge. {$1500.00} is a lot of money and the claim can truly not be investigated as the XXXX XXXX store that the {$1500.00} gift card was supposed to be taken from did not exist ( it was the " scammer '' ). We can not afford to pay {$1500.00} that we did not receive anything for. 

The fraud/scam was reported immediately to both the credit card company and the police. I would like to resolve this without taking any legal action. Would CFPB be able to help resolve this issue with Capital One?
Product: Credit reporting

I have disputed the incorrect accounts with Equifax multiple times now. They were included in a charged off bankruptcy and Equifax is the only credit agency that will not report them correctly even after sending them the bankruptcy paperwork to prove they were included. I called them multiple times and they make me sound like I am lying about the accounts. XXXX and XXXX XXXX report them correctly but Equifax does n't seem to care. This company has a duty to report my credit file correctly and has the power to make or break my credit. Why is it so hard to report my file correctly???
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding the errors on my credit report, I've filed a dispute. I haven't received any investigation results in well over 30 days.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, TransUnion 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 ( FRCA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunion '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 TransUnion complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I marked as inaccurate as follows : First Progress {$140.00}, Heights Fin {$2700.00}, XXXX {$9400.00}, XXXX XXXX XXXXXXXX {$2500.00}, XXXXXXXX XXXX XXXX$140.00}.
Product: Credit card

On XX/XX/year> my XXXX fianc, my XXXX American sons and I was supposed to leave to go to XXXX. At the last minute I remembered that we needed XXXX I searched on XXXX and found a false website ( not really fake but not the real government one ). The original false website was XXXX XXXX XXXX XXXX XXXX It looked " good enough '' - NOW important note : This is where I think American Express is wrong. Notice on this website what they are saying " XXXX XXXX XXXX XXXX is an electronic declaration which all passengers must complete when arriving in or leaving the XXXX. '' Notice those important words " All passengers MUST complete ''. If they didn't have that there, I would have only ordered XXXX for my XXXX XXXX. She is the only one that is required to have it - XXXX XXXX XXXX XXXX when it comes to departing passengers- only XXXX passengers are required to have it - unfortunately I did not read this BEFORE ordering. 

So, they lied on their website. Note : this website has the same WRONG info as XXXX XXXX XXXX - I sadly didn't notice the URL. It also says " all passengers are now required to complete the XXXX XXXX before entering and leaving the country. '' So, I paid for all XXXX of us. Now, the way the website was formatted on the iphone it appeared I was only being charged {$39.00}. That is what shows up on the screen in bold in the middle- it doesn't show the full amount {$110.00} unless you scroll ALL the way down and it is shown in small print at the bottom. So, they charged me XXXX charges of {$110.00} and XXXX charge of {$88.00}. No idea where the {$88.00} came from. I didn't notice the charge until it showed up on my credit bill since I have XXXX click pay and I didn't see the totals. 

I contacted American Express XXXX times about this -- trying to dispute and dispute the disputes. I even attached pictures of the website showing their lie and the XXXX government website showing only my fianc had to have the XXXX visa. They didn't care. The big problem is that the customer service representative told me the best way to enter this problem is to say you didn't get the service- but I told her that is not true, that is not what my problem is, but she said it is the best way. 

So, this false ( again not really fake ) website both XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX said all XXXX of us had to have the visa - only XXXX did. 
PLUS they formatted the phone display to hide the total bill until the end.

But, the big complaint is against American Express for a ) telling me to enter the complaint as not getting the service and b ) not caring about the proof I sent them about the lie on the website.

Note : On the official website the XXXX  visa is 100 % free even for last minute bookings. This FALSE website is hoping to get XXXX like me and gorge them on fees.
Product: Credit card or prepaid card

I had approximate XXXX balance with a limit of XXXX. 

I paid the account down XXXX so I could charge a medical procedure. 

Care Credit/Synchrony usurped the XXXX payment and disallowed me from making a charge above the prior amount available of approximately XXXX. 

I have sent them a message asking about this, and I received an answer that did not address my concern. They wait time to speak to someone yesterday was over 30 minutes. 

I believe they are acting illegimately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time contacting the CFPC and my disputes are still not being handled by XXXX, XXXX  and Transunion ... Please investigate these negatives items and have them deleted. 

XXXX Unverified account XXXX XXXX XXXX XXXX- Unverified account XXXX  XXXX XXXX XXXXUnverified Account I want these accounts deleted from my credit report and please send me an updated credit report reflecting this. 

Thank You, XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  XXXX Balance : {$730.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal XXXX XXXX XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit card

XX/XX/2024 - I enter a bar in XXXX and verbally agree to buy drinks for a lady working there for XXXX XXXXXXXX {$20.00} USD per drink. I order somewhere between XXXX drinks so my total " expected '' bill is in the $ XXXX range. I notice on my app that they have overcharged my credit card without my permission for nearly {$3000.00}, they do not provide me with a receipt and refuse to refund any charges. I call my bank that night and they tell me is it not fraud but a dispute and I have to wait for pending charges to clear. 

XX/XX/2024 - I file the dispute as soon as the charges are no longer pending. They ask for documentation which I have none of because the merchant didn't provide me a receipt or have me sign anything. I tell BOA what I expected to pay, and only dispute part of the ( {$720.00} ) charge on the first transaction, then I fully dispute 2 duplicate charges for ( {$900.00} ) that I did not authorize. 

XX/XX/2024 - Bank of America denies my claim attaching receipts from the merchant that are fake with a signature that has my first name on one charge and my last name on another charge. I would never sign just my first name but they accept these fake signatures for some reason. You can even seen that my first name is pasted on one, and my last name another. I NEVER signed these receipts, this part is absolutely fraud but BOA still denies me. 

I am now out close to ~ {$2000.00} in fraudulent charges because BOA is supporting a merchant who cheated the system and myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax several times explaining that I have never lived at these addresses but they continue to report them. I have explained that I am a victim of identity theft and there have been different addresses and inquires added to my credit report. This information is not mine and I want it deleted from my reports. 
The following addresses are reporting incorrectly and must be removed immediately : XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX These inquires do not belong to me and need to be removed immediately XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

Prior to a doctor 's visit I contacted the doctors office to question if I would be charged for anything or would it be covered under my insurance. I was advised I would not be billed as it was fully covered by my insurance. After I received a bill I contact the office numerous times where they stated I consented to the charge and after 3 requests I was still not provided any documents where I consented. They have now filed for a collection under my credit report. I have contact Experian and on a three way call to the collection agency I was still not provided any proof of debt that I consented to. They continue to lien my credit and I have requested a supervisor from Experian within the US 3 times. I still have not received a call back. I simply want proof I consented to the charge.
Product: Credit reporting or other personal consumer reports

I signed up for Experian Credit Reporting when I still had an old phone number and now I no longer have access to it because I changed phone plans and numbers. I would just like to update my number for more accuracy. I also would like to view my score and report. I can't seem to find a way to change the phone number without using this same number to login in which is keeping me locked out of my account.
Product: Debt collection

Last XX/XX/XXXX, I sent a request to CMRE to investigate on account XXXX. It's been more than 30 days now and I have not received any proper debt validation documents. Moreover, After more than 30 days, what CMRE did is add another account to my credit report, reporting that the account was opened/sold to them last XX/XX/XXXX with a balance of {$290.00}. Both the newly added account and account XXXX seems to be OUT OF STATUTE and had been inserted on my credit report after the statute of limitations expired. I understand that they can report accounts for seven years, but it is a violation to report/insert an account after the statute of limitations. Furthermore, more than 30 days have passed and the XXXX was not able to provide proper debt validation documents to prove the validity of these items. They definitely violated FCRA and FDCPA. This is my last resort before I get a legal counsel involve.
Product: Credit card

{$53.00} XX/XX/XXXX {$140.00} XX/XX/XXXX Ulta received payment for both charges on the same day and Ulta to date XX/XX/XXXX has refused to remove the pending charges. I have never in my life seen a company hold pending charges for this long after receiving payment. Ulta states their policy is to remove pending charges within 3-5 business days, and that is the verbal answer I received when I called on XX/XX/XXXX. I spoke with the Ulta Customer Service Supervisor on XX/XX/XXXX XXXX Employee ID # XXXX and Ulta has failed to follow their own policy and remove the pending charges, with no explanation for the pending charges remaining after 10 days.
Product: Debt collection

I was alerted by XXXX and XXXX that the collection agency by the name of XXXX XXXX XXXX  added a file to my credit report. I initially disputed it on XX/XX/XXXX as fraudulent due to the fact that I am not aware of this company nor have I ever signed a contract and/or account with this company. To no avail they did nothing. Fast forward to XXXX, I have researched and revealed that this company is not bonded in the state of Alabama to collect debts owed or otherwise. It is illegal to collect a debt if the company is not registered with the Alabama Secretary of State. This company is not in Alabama 's database.
Product: Credit reporting or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful. 
I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. 

Listed below are the Personal Information that are being challenged Incorrect Also Known As : - XXXX, XXXX, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX Collection {$5100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX Collection {$140.00} XXXX XXXX XXXX Charge-off {$170.00} XXXX XXXX Charge-off {$960.00} XXXX XXXX Charge-off {$820.00} XXXX XXXX  XXXX XXXX Charge-off {$310.00} Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

Account # XXXX was charged off due to fees charged by 5th third bank in the amount of {$73.00} and then reported to XXXX as delinquent. For example they charged over {$40.00} in fees to check the balance however those fees were not disclosed AND they charged an out of network fee meaning it costs around {$10.00} to access money from an out of network ATM. The excessive fees collected on this account in 3 months ( {$160.00} ) exceed the charge off amount of {$73.00}. In addition fees collected for 2018 were over {$300.00} due to service fees and other hidden fees this bank tacks on.
Product: Mortgage

I was given a forebearance during XXXX. I was able to resume payments but because I am self employed they have made it impossible to resume making payments even though I called to offer them XXXX months when the forbearance ended. I have not been contacted by anyone from the forbearance team meanwhile I have been pushed into foreclosure several times and had it kicked out for failure to prosecute. I just want to have the cares act balance added to the end of my balance and allow me to resume making payments. I would have never entered into a forebearance had I known there was a possibility of being denied the ability to resume making payments. This has been a terribly horrible experience and I have spent hours on the phone trying to resolve the issue. My first court date is XX/XX/year> and no help is forthcoming.