23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have followed the instructions per the terms of the Continental Finance Credit Protection Addendum section III-3-a. to remove credit protection from my account. I have done so by reaching out via their message center at CPCustomerCare.com, emailing XXXX, both listed as ways to request cancelation. When the first two attempts were made and I was still charged, I contacted customer care through the XXXX card portal. Still, I continue to be billed monthly for the fee even though I am following the steps listed in their Addendum, on their website, and by what I was told by the customer care agent. This has been going on for longer than six months now.
Product: Credit reporting

Experian continues to report inaccurate information on my credit report. I have disputed the name listed on my credit report numerous times & they keep reporting it. This information is NOT ME, HAS NEVER BEEN ME and I 'd like it removed at once. I 'm attaching all legal documentation to prove my legal name ...
Product: Debt collection

On XXXX/XXXX/15 I contacted XXXX to ask about getting my services lowered because my " special '' was running out in XXXX 2015. XXXX was unable to get the service lowered to my previous bill amount. I discussed with the agent and was told that my billing cycle ended XXXX/XXXX/2015. I paid my bill in full through XXXX/XXXX/2015 and advised that I would like to have my services disconnect on XXXX/XXXX/2015. The agent was very nice and advised that on XXXX/XXXX/15 I would no longer have XXXX service. They also advised that I could take all of my equipment to local XXXX store to mail back at no charge. 

On XXXX/XXXX/2015 I came home from work and my services were turned off, just as I discussed. On XXXX/XXXX/2015 I took all the equipment to the UPS store ( attached receipt from XXXX store and attached email confirmation from XXXX ) and mail back to XXXX. This completed my business with XXXX. 

On XXXX/XXXX/2015 I received the attached bill from XXXX stating that I had a outstanding balance of {$190.00}. I called the customer service number ( XXXX ) to see dispute the charges on my account. The customer service agent advise the charges were for XX/XX/XXXX. When I advised that I disconnect my services on XXXX/XXXX/2015, she then advised she would have to transfer me to someone else. The XXXX agent advise me that the charges were for XX/XX/2015. I advised that I paid my bill in full when I called on XXXX/XXXX/2015 to disconnect my service on XXXX/XXXX/2015. The agent then advised me that they could see where I called in on XXXX/XXXX/15 and paid my bill, but the agent at the time should not have told me that I paid in full. I continued to dispute the charges. The agent transferred me again. The XXXX agent advised me that XXXX had since gotten a new billing system and that some of statements were incorrect and that it looked like I had been billed twice for what I had paid on XXXX/XXXX/2015. They then transferred me again so that someone could clear the charges. The XXXX agent advised me that I owed the {$190.00} and they could not clear it. I continued to dispute the charges. The agent advised that my account was still active, when I ask how and explained that I did n't even have any equipment she said they never received my equipment back in the mail. I gave her my reference number from the XXXX store and she could not find it. I waited on hold for a " supervisor '' to speak with. The supervisor was very rude and explained to me that I just needed to pay the bill or get turned over to their collection agency and have a bad mark on my credit. I currently have a XXXX credit score and take pride in paying my bills on time. I do not appreciate being threatened. After XXXX min with nothing resolved I hung up.
Product: Checking or savings account

I discovered that there was an account opened under my name several years, when I called customer service they confirmed it was closed but the process to file a ID Theft Claim with WellsFargo is over burdensome. I never had accounts with WellsFargo. They need to mark all the accounts associated with me as fraud and have their ID XXXX Department investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2100.00} XXXX XXXX {$3300.00}
Product: Mortgage

Thank you for your support in monitoring our wrongful foreclosure case that was brought against us by AHMSI/Homeward Residential/Ocwen/XXXX. Ocwen has never planned to help our family even though we never defaulted on any of our HAMP payments. Ocwen has continued to refuse to drop the foreclosure against us so that we can work directly with Making Home Affordable Escalations and the CFPB. Ocwen moved for summary judgement against us over the holidays proving that Ocwen has no intention of helping us. XXXX/Ocwen stated that we have not given any proof that our loan is a part of the Ocwen National Mortgage Settlement when we are clearly the poster child of why the settlement happened in the first place. We have never wanted a free house and Ocwen is forcing us to continue to incur substantial legals fees instead of settling with us and having the money go to the true investors of our loan. Please continue to monitor our case to insure justice and fair treatment. We want to settle as soon as possible XXXX.
Product: Credit card or prepaid card

I signed up for the XXXX XXXX XXXX, administered by XXXX, directly from the XXXX XXXX XXXX website when they were offering a promotion. My application was approved on or within a week before XXXX XXXX. The promotion was that I would receive {$100.00} for opening the account and an additional {$50.00} for spending {$500.00} within a specified timeframe of 60 days. I met both requirements but did not receive the bonus. It has been more than 60 days past meeting the bonus requirements, and over 100 days since the account was opened. The original timeframe did not have a schedule on it of when it would be released, but from previous offers with other credit card issues, that seems to be the standard.
Product: Debt collection

This collection agency continues to increase the amount owed by large amounts. It took me a while to figure out why they never put the balance on their statements. In just the past couple of months ( see-attached ) they increased the balance {$530.00}. The balance was {$6500.00}. I called to get the balance mailed to me. I was told on the phone it was {$6900.00} and when the statement comes in the mail it 's now {$7100.00}. They have done this to me previously. Just because I ca n't afford an attorney does n't mean that they can continually steal from me.
Product: Credit reporting or other personal consumer reports

I am respectfully seeking aid from the CFPB to kindly assist me in the REMOVAL OF THESE FRAUDULENT INQUIRIES FROM MY CREDIT RECORDS. This was my follow up complaint regarding the mentioned issue. Additionally, I kindly request guidance in ensuring that Experian and XXXX successfully conclude the elimination process for the outstanding fraudulent inquiries. Once more, I provide the precise roster of fraudulent inquiries within the designated bureau that require removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX. 

EWS is reporting inaccurate and erroneous information under my name and social security number which is having a negative impact on my good-name and credit worthiness.
Product: Credit reporting

Team, I was referred by XXXX XXXX at Equifax to Consumer Finance.gov. 
I am in the midst of Divorce in XXXX Court XXXX. I am renting from the Owner XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. I started renting in XX/XX/XXXX my Apt XXXX Which had XXXX XXXX in his name installed. We transferred account from him to my name. Which services were in and new box mailed to him. After working from home and poor service I cancelled this services and asked they mail me labels back to ship back gear since labels were in old owners name. After shipping back originally I was told paid up to date {$50.00} credit and then they said they cancelled in XX/XX/XXXX after my discounts. They stated contract and Short fees. I told them I do not owe and asked for proof and bills. They never responded. They then put me into collections XX/XX/XXXX XXXX XXXX # XXXX where I spoke to Rep. XXXX XXXX XXXX XXXX # XXXX XXXX at XXXX on Acct # XXXX he offered in letter {$820.00} settlement and then lowered to {$500.00}. I explained issue and asked he refer to XXXX. He did and closed it out. XXXX then in XXXX dinged my credit and referred to a XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX Consumer XXXX XXXX # XXXX. He referred back to XXXX. I immediately called Equifax where I am a premier Member-XXXX ( -Dispute XXXX ( XXXX ). I have called numerous times to XXXX to ask for Bills as no contract I did right things and paid XXXX XXXX for 18 years as well. Note I have Fraud cases open with XXXX XXXX and XXXX XXXX and XXXX Executives helped Credit over $ 9k in billing issues of a number I did not own. 

Today I spent 3 hours disputing with XXXX as they just opened case with XXXX XXXX. 

At XXXX today a lone 3 Hours calls. 

XXXX XXXX. Spoke to XXXX XXXX-Billing transferred to XXXX Financial Services who said she saw Late fees disconnect and check issue but, referred me back to Collections. Finally after getting XXXX XXXX Call Center Rep. he conferenced a Manager XXXX XXXX who said XXXX XXXX the first # I called! Ask for Manager XXXX or XXXX noted expecting call. Called spoke to XXXX XXXX who said no mangers available could not find account final pushed for XXXX left Mobile email no calls back. XXXX XXXX was the Manager. After calling Equifax on XXXX they said XXXX research done but, only option open new Compliant and my credit is critical. Help. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report act XXXX  Accounts DEPT OF EDUCATION/XXXX  # XXXX, DEPT OF ED/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 XXXXXXXX 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 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Credit Collection Service had placed this negative items on my credit reports without notifying me. Credit Collection Serivce violated the early-warning notice clause of FACTA section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit report.
Product: Debt collection

I have sent Portfolio Recovery Associates, LLC several letters via Certified Mail, 7 letters to be exact, each letter was not responded to for about 60 days. In those letters I asked them to provide documentation bearing my signature that I owe them this debt. They failed each time only sending a copy of a statement, which proves nothing.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED THE Y REPORT AND STILL SEE THIS LATE PAYMENT APPEARING THAT WAS ALREADY DISPUTED BEFORE SYNCB/XXXX XXXX. I WAS NEVER LATE. I ALWAYS MAKE SURE THAT I MAKE PAYMENTS ON TIME. I DEMAND THIS ACCOUNT TO BE UPDATED AND REMOVE THE LATE PAYMENT TAGGING AS SOON AS POSSIBLE AS YOU ARE VIOLATING MY RIGHTS Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING THAT MY XXXX XXXX  IS NOT CURRENT AND CAUSED XXXX XXXX XXXX XXXX  TO TURN DOWN MY REQUEST FOR AUTO FINANCING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a request for validation and dispute to XXXX XXXX XXXX a collection agency via certified US mail that XXXX didnt respond to. I also submitted a dispute to all 3 credit reporting agencies requesting the validity of the account on my credit report. XXXX   and XXXX immediately deleted the account as it could not be verified, yet Equifax continues to report this inaccurate information, stating that the account information was verifiable.
Product: Debt collection

Credit service company out of XXXX XXXX has never sent any letters to verify debt. The company has now added interest to the account original amount being {$2000.00} which is now {$3300.00}. Comments on the account information has been disputed by myself and no response from original dispute XX/XX/XXXX through XX/XX/2024.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report because it is hurting me to obtain ability to getting credit.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

My card was stolen XX/XX/2019, from a drive thru employee at XXXX XXXX. I noticed that the card was missing on the XXXX when I stopped for gas. I thought it was lost in my car, so I looked for it to no avail. I wasn't worried because no new charges were on my card. The next day, I noticed over {$800.00} in new charges. I immediately called the credit card company and the police. They tracked down the thief and questioned her and told her to turn herself in. She never did. There is an active warrant for her arrest to this day. American Express came back 30 days later stating I was at fault, even after submitting my affidavit as well as all police reports and charges filed. I've since disputed the charges twice more, all of which I'm told I'm a liar and I'm at fault. I just want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing your agency because you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). These items was deleted and you reinserted them without notifying me 5 business days after and certifying that the items was validated properly. I demand you to delete these items from my credit file or i will seek litigation.

( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of informationIf any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency ( ii ) Notice to consumerIf any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days and you must delete the item from my file immediately. 

The following account is not mine XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, Experian, and XX/XX/XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.
Product: Bank account or service

Citizens Bank ( CFG ) counts it against the bankers if the customers choose to opt out of the debit card coverage. Therefore some bankers encourage their customers to opt in so that their cross sell ratio on new accounts is not negatively effected. If this happens to you, leave. Or just leave now. They do not know what they are doing.
Product: Mortgage

PNC bank in XXXX, Ohio refuses to submit the payoff amount on my mortgage to another mortgage company that I am working with to refinance my mortgage at a lower rate. The nee mortgage company has requested a payoff amount in writing on 6 different occasions and I have called and asked the bank to fax the payoff amount to the mortgage company snd it has never been sent.
Product: Consumer Loan

I recently contacted Capital One for a 2 month extension until I can find another job since I was laid-off on XXXX/XXXX/16. I have filed for unemployment, which is not even half of what I was getting paid before, and unemployment will not kick in until the next few weeks. I was told that I could not be granted an extension. This is a SCRA account and I am a good paying and long term customer that needs some assistance.
Product: Mortgage

1. In XX/XX/2019, my mortgage was sold from Ocwen to PHH Mortgage. 
2. On XX/XX/2019, I had an automatic payment sent to Owen, 3. In XXXX, PHH said they did not receive the payment from Ocwen and said it will be a few weeks to a month before it is reflected in their system. To date, XX/XX/19 they still have no record of this payment. 
4. My loan has also increased by {$150.00} without them informing me. 
I have sent payments towards my balance numerous times and PHH mortgage says it does not satisfy the loan requirements. Meanwhile, my " balance '' keeps increasing and there is a " Notice of Intent '' 5. PHH has asked me to fax in my grievance - which I have done so on XX/XX/XXXX, to date I have not received indication the matter has been looked in or resolved. Each customer service rep keeps saying the same thing over and over and nothing has been solved. They keep saying, " they are looking into it. '' Please review the XXXX reviews, PHH Mortgage customer service is the worse, not helpful at all.
Product: Mortgage

Balloon payment became due this month ( {$34000.00} ).  Contacted company in early XXXX, account representative XXXX XXXX and left message asking for him to contact me regarding wire transfer instructions as my banking institution was out of state and not easy for me to get a cashier 's check. This message was left twice with end of message indicating Mr. XXXX would follow up with me in 24 hours. There was no return call. I responded by sending the company a personal check for the balance due that was sent overnight to the payment address they provided. Today spoke to customer service representative that stated several supervisors attempted to contact me in the past two weeks regarding check not covering total due. The difference she stated was {$410.00}. I have no record on my phone, nor was a message left requesting a call back to resolve issue. It did not happen. Happy to provide call log to my phone from XXXX. I advised representative that a supervisor can call me and leave a message. Advised her that I would be filing a complaint with all state, federal and private entities about the difficulty contacting the agency and their refusal to accept any payment from me. She said check was returned to me rather than they cash the check and follow up with me with the disputed amount. I have never had a more difficult time paying a bill.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023 I made a payment regularly to capital one for my 3 credit accounts. I noticed the following month while trying to balance my checking account that the money did not come out. So I called to speak with a representative to get it fixed, I explained that there must have been an issue with the automated system as I have never missed a payment before or after on any of my 3 accounts. I was then told that i could not get direct information since i was not the direct account holder, which made no sense because I am an authorized user on this account. I let it go because the representative said that while they cant tell me details without my son being present even with me being an account holder, that the problem would be noted. 

I pulled my credit last month and noticed that it was not fixed! I have reached out to all 3 credit bureaus to try to get this resolved and also to Capital one who is saying they have no record of the call!

Also 2 accounts with the same account number are reporting different things, I have attached copies of that.