23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX To whom it may concern at the Consumer Financial Protection Bureau : I would like to file a complaint against a collection company by the name of Bureaus Investment Group.

This Bureaus Investment Group continues to slander my credit by placing collection accounts onto my credit files that they never verified prior to placing these fraudulent, false accounts onto my credit files.

As previously stated, Bureaus Investment Group never verified the collection accounts that they have placed onto my credit files, and they know that what they have done is unlawful.

So now Bureaus Investment Group is resorting to passing off these collection accounts to other collection agencies, such as a XXXX XXXX XXXX XXXX XXXX XXXX, etc. 

Bureaus Investment Group claims to have acquired the accounts from XXXX XXXX, and this Bureaus Investment Group never contacted me to verify the debts. 

Last year when I requested copies of my credit reports from the credit bureaus, this is how I found out about these collection accounts being placed onto my credit files. 

Since last year I have disputed these wrongful collections against XXXX XXXX, and I have also disputed these wrongful collections, against Bureaus Investment Group.

And although Bureaus Investment Group knows that they unlawfully placed these collection accounts onto my credit files, they have refused to remove them.

Between both, Bureaus Investment Group, and XXXX XXXX, they are both listed on my credit files for the same wrongful collection debts, and due to this, my credit files are being slammed twice for these unlawful collections that I did not run up, nor owe. 

Both Bureaus Investment Group, and XXXX XXXX  are intentionally making sure that they maliciously destroy my credit score, and rating. 

They have both, falsified status dates, on the collections that they have placed onto my credit files, such as activity in XXXX, and XXXX. 
They have done this so as to make it seem as though these are present debts that I have acquired, and that I have recently done business with XXXX XXXX, which is a lie. 

I have had nothing to do with XXXX XXXX  going on almost two years. All of the status information that both XXXX XXXX, and Bureaus Investment Group are placing onto my credit files is unlawful, as well as untruthful.

I want all communication from Bureaus Investment Group to go directly to the Consumer Financial Protection Bureau, and the Consumer Financial Protection Bureau can contact me.

I want Bureaus Investment Group and its collection cohorts, to Cease and Desist from slandering my credit, as well as harassing me, I want no contact from them.
Product: Mortgage

Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX, 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX. 
This forced insurance has been going on for months and numerous conversations from me and multiple faxs of declaration page has not resolved this.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX CONTINUES TO REPORT THE WRONG DATE OF BIRTH ON MY CONSUMER REPORT ALONGSIDE OTHER INACCURATE INFORMATION THAT DOES NOT BELONG AND IMPAIRS THE ACCURACY OF MY CONSUMER REPORT I HAVE PROVIDED NUMEROUS OF TIMES MY NATIONAL ID, STATE ID, DRIVER LICENSE AND OTHER INFORMATION NECCESARY TO CORRECT THIS ERROR. EQUIFAX REPORTS THE YEAR XXXX WHEN IN FACT I WAS BORN IN XXXX I HAVE BEEN TRYING TO CORRECT THIS ERROR FOR 2 YEARS NOW YET THEY STILL DISREGARD THE FACT TO DO THE RIGHT THING. THIS INACCURACY HAS CAUSED ME TO MISS OUT ON MULTIPLE LOAN OPPORTUNTIES AND EXTENSIONS OF MY PERSONAL LINE OF CREDIT.
Product: Mortgage

Ocwen is charging me late payment fees monthly for a past due balance that was paid through my bankruptcy. Thus, each month, during the bankruptcy while I was making my on time payments through the trustee, they were applying the payment to the previous month. My bankruptcy was discharge in XXXX XXXX with all of my account current. However, Ocwen is claiming that my account when they received in XXXX XXXX was still past due. Thus, each month, during the bankruptcy and now, while I was making my on time payments they were applying the payment to the previous month. Ocwen is currently reporting me to the credit agencies as delinquent when it is not. I make on time monthly payments each month. 

I have tried to resolve this several time and have requested payment history 3 times. Ocwen has not sent me this information. My last attempt was today XXXX XXXX, XXXX when I spoke with XXXX repersenative id # XXXX. I have also tried to create an account on their online page so that I could access my payment history but I can not get access to my account online.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$3100.00}. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft.
Product: Credit reporting or other personal consumer reports

I keep getting a dark web alert on my credit report and I don't even know this person or company. They have ran my credit since XX/XX/XXXX to XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

Please remove these fraudulent accounts.
Product: Vehicle loan or lease

XXXXXXXX XXXX  promise to fix the car I purchase they sold the loan to westlake portfolio and now the engine is not working. It was told to me by 2 different companies I need a new moter. The car is a XXXX XXXX XXXX the loan states I owe XXXX but the car is only valued at under XXXX also I was neve informed that my loan would be sold to westlake.i feel like I was rip off and over charged and the car had problems now I still owe and ca n't drive it
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX SERVICES # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Multiple times i have got charged on my account. Either it being wrong date or time. Double charges and money that havent went back on. I recently had to report my card stolen due to charges being taken out that I never gave permission multiple times.
Product: Student loan

I am on an income based repayment plan. It seems within the last year my loans have skyrocketed $ XXXX making my total debt $ XXXX. After checking my credit report on XXXX/XXXX/2017 the loan balance has went up by roughly {$500.00}. The interest on my loans are absolutely absurd and it makes it impossible to pay back.
Product: Credit reporting or other personal consumer reports

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

DRS contacted my parents and informed them of my debt and scared them by telling them I needed to have legal counsel and contact them.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on my account. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been writing to Equifax from XXXX concerning some accounts on my credit report reporting as collections with account numbers- XXXX and XXXX with opened dates from XXXX. 
These accounts have no names, no balances and no contact information and yet they are still being reported on my credit. It has been causing me much stress because I know I do not owe or have any collections. 
Equifax is also reporting late payments on my credit report when I was never late with a payment on any of my accounts.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX have not been doing thorough investigations of information on my credit reports. I have asked for signed documents stating I agreed to a contract to owe debt to XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX and never received any info, however the information is steadily reported as accurate!
Product: Credit card

On XXXX, I Paid {$100.00} For A Warranty Repair, When The Technician Arrived He Explained The Defect Wasn't Covered And I Should Contact A Plumber. When The Plumber Arrived Next Day He Saw That The Issue Appeared In Two Parts. A Part Not Covered But Also A Crack In The Part Of The Fridge That Was Covered. Since I'm Already Paying For The Plumbers Visit, He Was Able To Remedy Both Parts. After The Job Was Completed I Called Back Sears And Explained What Occurred And Requested A Refund Of The Deductible, They Were Unwilling Because A Technician Had Already Been Sent Out. They Took No Responsibility For The Misdiagnosis. They Offered To Send The Tech Back Out, But At This Point The Issue Had Already Been Resolved. I Need To Be Made Whole For This {$100.00} Charge. 

In the rebuttal I received from Sears via the Merchant they are stating that The service provider provided a diagnosis, and the customer chose to have a plumber complete the job. That claim is incorrect. I had no option but to hire a plumber since the technician stated it wasn't covered and I needed to hire a plumber. Only when the plumber that I hired came out the next day explained that Sears should have fixed the issue since the defect also included a crack in the water supply line that a part of the fridge, I even included photos with my original dispute.
Product: Credit card or prepaid card

I have already notified Macy 's and XXXX XXXX XXXX XXXX that this credit card was used without my knowing or permission. My now estranged wife had even used my social security number behind my back to open multiple credit cards without my permission. She is a con artist / serial defrauder and I have had to file for divorce because of this. I have severely and maliciously been defrauded by her. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. Citibank even recognized this and deleted the Citibank entry from my credit profile. A police report was submitted to the XXXX XXXX Police Department on XX/XX/XXXX. I have found out that there are 7 other police reports with her as the suspect of fraud / theft. I opened this account on the day I purchased our wedding rings on XX/XX/XXXX solely to get a discount. That is the only charge that I am responsible for and I made that payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX confirmation # XXXX. At the very least I should not be responsible for all of the in-store purchases that she made on my credit card because the employees failed to verify her ID against the name on the credit card. This is a practice that has disappeared in recent years and when my ID is checked I am thankful for merchants doing their due diligence.
Product: Mortgage

I am assisted with my mortgage through an agency. Since I am XXXX, XXXX, and on a XXXX this helps me pay my mortgage. GreenTree Mortgage bought my mortgage from XXXX Mortgage XXXX year ago. I have my mortgage amount debited out with auto pay from my credit union and the agency sends the balance through their account which is automatically deposited in Greentree 's account from their bank. Periodically Greentree has called me and asked me where was the agency 's payment and I have told them to call the agency. In XXXX I received a call from XXXX at Greentree XXXX asking me for XXXX 's payment from the agency. After calling the Agency and being advised by them that Greentree should look through their lists of bank deposits and my telling Greentree what they said. I also told them that my portion was being discontinued as of XXXX XXXX and just the agency was paying the full amount. I was asked by XXXX to send proof with the letter sent to me by the agency, along with a cancelled check, my bank statement showing the amount deducted and a letter stating that I no longer wanted the amount I had been paying deducted out of my account. Greentree still deducted the payment and after I called to ask when they were going to reimburse me I was told by the Customer service rep that because I had blackened all the transactions on my bank statement they would n't send me a refund. That I needed to send them a bank statement without the blackening of my transactions. I responded that I did n't blacken the amount withdrawn by Greentree and I believed my transactions were private and there was no need for Greentree to know my business. To this date, I have not received my refund and they are not returning my calls.
Product: Credit card

I had purchased the appliances from Best buy using the promotion to pay off the purchase balance by end of promotion however, while setting the monthly payments, it wasnt allowing me to set up the payments using the promotion hence, I had reached the customer service to help me set the autopay and explained them the expectation. 

The customer service did the math and advised me the payment amount that should be made on the monthly basis for the balance to clear by end of the promtion. I agreed and approved her to set it up for the amount she advised and never bothered to worry about anything as the payments were coming out of my bank account on a monthly basis however, unrealizingly the promotion expired in XX/XX/2024 and there was no notification from Citi bank on the e-statement or email advising that the promotion is about to expire and there will be charges on the outstanding balance, which should have not been the case as per my explanation above. 

The Citi bank customer service did the wrong math and put the auto pay for the wrong amount causing the balance to not be paid in time and as a result i have been charged a hefty amount of intereset to be paid for the purchases. I paid of the purchase amount the day i realized this issue and tried explaining the bank what happended and requested to help me get those charges off my account however, they do not want to be accountable for their employee 's mistake instead responded saying that it was a human error and I should have checked my balance on a monthly basis. 

The escalation team mentioned that they heard the recording and acknowldged that their associate did make a mistake but this can not be a reason for them to write off the interest, which does not make sense as I was in a position to make payment for a greater amount than what was advised by the bank employee. 

The account was set up on autopay with trust on bank and as a consumer I trusted the bank and dint bother to verify however, Now i am XXXX  because of their employee 's mistake, which the bank should bare instead of expecting the consumer to bare the loss. 

I have disputed the deffered interest charges and submitted a case but the bank doesnt seem to care as it only cares to make money and RIP people off regardless of the mistake that was occured on their end,
Product: Credit card or prepaid card

I placed a call to Capital One customer service on XXXX/XXXX/XXXX to request a waiver of the annual " cardmember fee '', which had been charged to my account on XXXX/XXXX/XXXX. The representative explained to me that I could avoid the fee by converting my account from the " Quicksilver '' card to the " Quicksilver One '' card. I agreed to convert my account and the representative told me that I should be able to view my updated account information online within five business days.

I received and activated the new card about two days later ( Around XXXX/XXXX/XXXX ). My online account did not indicate that I had been given a credit for the cardmember fee when I checked on XXXX/XXXX/XXXX. 

I placed another call to Capital One customer service on XXXX/XXXX/XXXX to ask why I had not been credited for the cardmember fee. XXXX, the customer rep, explained that I was expected to pay the fee according to Capital One policy. At this point, I questioned the logic of having to pay a {$39.00} annual fee for a card that I had for a mere four days ( from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX ) and was transferred to XXXX ( XXXX 's supervisor ). 

XXXX proceeded to tell me that there was nothing he, or anyone else at Capital one for that matter, could do to waive this invalid fee from my account. The only option he presented was for me to close my account, which he claimed would prevent me from incurring the fee. I asked to speak to his supervisor and was rebuffed. 

I can understand paying a prorated cardmember fee for the four days I had the card this year. I ca n't wrap my head around paying the entire fee. It seems very unfair and Capital One is completely unwilling to resolve the issue.
Product: Money transfer, virtual currency, or money service

I am filing this report about a romance scam. I met someone named XXXX XXXX over XXXX and began a short romantic relationship. While we were talking, he gave me a sob story about how he was in a desperate situation and really needed {$270.00}, promising he'd pay me back by the end of the month. I sent him the money through XXXX. However, after receiving the money, he blocked me on social media and refused to send me my money back. I now can find multiple social media accounts where he is asking other people for money for various reasons, and I suspect those are all fraud as well. I have tried contact Bank of America to get my money back, but they said they were unable to help. Hopefully, through this request, I can find some peace of mind and receive the funds back.
Product: Credit card or prepaid card

I have had a credit card with Best Buy ( Citibank ) for a long time and have used it and paid it back. I had a small balance left from a previous purchase but needed to buy a new refrigerator. I was going to pay cash but the sales associate at the XXXX XXXX, Illinois location kept insisting I pay with my credit card. I told him I had a balance that already had 0 % but he said I could have two simultaneous promotions. He said I could get the refrigerator at 0 % for 12 months so I accepted even though I really just was comfortable paying cash. When I got my first statement, I saw that the refrigerator was no at % interest. I made the payment and tried to call the store but the manager never called me back. Finally he called back after several calls and told me to call Citibank. At this point, another statement generated and it still had interest being charged. I called Citibank and they said they would look into it. I never heard back and got frustrated and paid it off. I understand with COVID, call centers were very delayed but I have been inquiring with store and customer service for months. On XX/XX/XXXX ( after I paid off ), I decided to send a message to them to voice my complaint and request a refund of the interest I paid on the refrigerator. I got a message back a week later apologizing for not " meeting my expectations '' and they appreciate feedback. Here is the exact email they sent me : We received your recent inquiry regarding the account. 


The time you took to let us know that we did not meet your expectations is appreciated. For this, we sincerely apologize and hope that you will continue to make us your choice for quality and value. 

Your business and feedback are very important to us and we will continue to improve our service to you. 

We regret any inconvenience or difficulty this may have caused you. 

Nothing about the fact they lied, ignored my previous calls, or a resolution on refunding me interest. I am so upset that just apologized but did not research the issue or refund me.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a data breach involving all three major credit bureausEquifax, XXXX, and XXXX has directly affected me. As a result of this breach, my personal and financial information has been exposed, putting me at significant risk for identity theft and fraud. Under 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ) requires that credit reporting agencies maintain accurate and secure information regarding consumers, and this breach constitutes a failure to uphold these obligations. I request that the FTC investigate this matter and take appropriate action to ensure my rights are protected.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another complaint in order to get the report from the FTC sent to the company to have the collection removed per their request
Product: Checking or savings account

I am still having an issue of opening a checking, savings, and credit card account with PNC Bank. PNC Bank wont open up any accounts for me due to me having a current XXXX on my XXXX XXXX, XXXX, and XXXX credit report. PNC Bank is discriminating against me based on my race and recent XXXX on my credit reports by refusing to open any accounts for me. PNC Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want PNC Bank to approve and open up a checking, savings, and credit card account online for me.