23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 'm filing this complaint against Experian because they have repeatedly refused to delete an account on my credit report that does n't belong to me, nor have they provided any supporting documentation in any regard that proves that said account has been supposedly " verified '' by the information furnisher and thus belongs to me. They are required by Section 611 ( 5 ) ( A ) of the Fair Credit Reporting Act to delete any account that can not be verified. Federal case law also states " Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on, and their responsibility must consist of something more than merely parroting information received from other sources. '' If they are claiming the account was verified, how was it verified? I asked, and they gave no explanation. I asked for an Original Signed Contract, they have provided none. Please help me in resolving this matter, I 'd greatly appreciate it!
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX XXXX XXXX XXXXXX/XX/year>, my wife and I went shopping for furniture at XXXX XXXX XXXX XXXX located at XXXX  at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

After selecting our furniture, the store representative offered us a credit line through Wells Fargo Bank. I accepted and. 
Authorized, the representative to run my credit. 

Upon running my credit, the store representative inadvertently used our future home address ( the delivery address ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As soon as the sales person received the denial for instant credit I knew we had a problem. 

I immediately checked the application and saw the mistake. The sales representative and I, immediately called Wells Fargo to try to rectify the issue. But the representative stated that there was nothing he or anyone else could do. We called a second time and got the same response. 

The second representative wanted me to run my credit a second time. Which I refused to do. 

This issue caused a negative impact ( a hard credit pull ) with XXXX which lowered mu credit score. And I was denied the credit anyways, although I was credit worthy. 

Therefore, I am requesting that the hard credit pull be reversed.
Product: Bank account or service

In 2005 my husband and I opened a safety deposit box account with a Bank of America in XXXX XXXX, VA. We were in the process of XXXX our XXXX baby and caring for my mother in-law who, at the time, was XXXX. A few months after we adopted our daughter I entered into the same Bank of America branch, with my XXXX baby girl, and spoke face to face with a manager on duty and requested closing the safety deposit box account. She agreed and said she 'd take care of it. I trusted what she relayed and did nothing else. We later closed all BoA bank accounts. 
Many years have passed since that time and I learned this account was never closed, the bank billed us on their end for the safety security deposit account but never did we receive anything in the mail except notification from a collation agency in an amount excess if {$870.00}. Since adopting our daughter I 've been sick, working on and off, then I lost all income from the recession as I was a XXXX. 
Today I am healthy, XXXX and I can not qualify for the smallest XXXX loan due to old, out dated ( XXXX ) debt. 

Is there any way someone from your division can assist me in removing this derogatory statement from all XXXX credit bureaus? Your assistance in this matter is beyond appreciated and further needed.
Product: Credit reporting or other personal consumer reports

The two accounts below are paid in full. they have been paid in full for a month and they refuse to change even though I have proof they are paid off. 

XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$36000.00} Balance updated XX/XX/year> Original balance {$39000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX  Account type Auto Loan XXXX XXXX XXXX XXXX Balance details 8 % paid off Balance {$32000.00} Balance updated XX/XX/year> Original balance {$35000.00} Account info Account number XXXX Open/closed Open Date opened XXXX XXXXXXXX XXXX Account type Auto Loan
Product: Credit card or prepaid card

My son XXXX XXXX purchased tickets to XXXX from XXXX XXXX. He was informed by XXXX XXXX that flight has been canceled due to Pandemic so we requested Citibank to give the credit of approx. {$580.00}. They took their own time to investigate and finally came to us after few months that XXXX XXXX is not agreeing to take the charge. Inspite of early action i.e. letting Citibank to dispute the transaction because of Pandemic no action was taken by them. 

Today i called them and was told that resolution period has ended and i would be losing my hard earned money because of inappropriate actions by Citibank. I request that i am reimbursed with the cost of tickets as flying in XXXX was not possible and even more Airline canceled the ticket. i have attached email received from XXXX XXXX for reference.
Product: Debt collection

I currently have a loan with XXXX and have been making payments regularly. I am now being charged from Blackwell Recovery which they indicate I owe {$1200.00} with account # ( XXXX ). Payments are made satisfactorily. My payments are for {$260.00} a month and are auto-deducted from my personal checking account. Please remove this derogatory from XXXX credit reporting agencies.
Product: Money transfer, virtual currency, or money service

I signed up for Google Pay due to the marketed sign-up bonus of {$21.00} after making a payment of {$10.00} or more to a friend. Additionally, there were other offers marketed that enticed me to start using this product, such as {$21.00} referrals to friends and family, and cashback on transactions, such as 20 % at REI. 

I referred a family member on XX/XX/XXXX, they made two qualifying transactions on XX/XX/XXXX and I did not receive the referral bonus, and they did not receive the signup bonus nor REI bonus. 

After 3 weeks of being run around by customer service, there is no other possible conclusion than this is a scam, bait and switch, and illegal business practices. OVer 10 emails asking for the same information that was already provided, making blanket statements about the promotion ending XX/XX/XXXX ( which clearly this activity was in advance of ), asking for information they already have ( transaction IDs, dates, peoples names/emails/phone #, screenshots, etc. 

It is not like google is hurting for money, so I don't understand the deceit and scam, nor the horrific customer service. Fulfill the terms of the bonuses that were signed up for and executed per the terms and conditions.
Product: Debt collection

This company claiming to be MiraMed Revenue Group robocalls me from a spoofed number XXXX XXXX XXXX XXXX and left a voice mail saying to call XXXX XXXX XXXX XXXX regarding case # XXXX. The robocaller speaks so fast I had to play back the message multiple times to get the information. 

I called back the XXXX number and when they asked how they could help me, I said, " I don't know. You called me. '' The first person hung up on me. The second person claimed they were representing XXXX XXXX. I told her to send me anything in writing because all bills that I received from XXXX were paid. She refused and wanted personal information from me. I am in the midst of dealing with identity theft and do not want to give out information. I requested she send out the information she has to the address she got from XXXX, if they are truly who they say they are. The information I need is the date of service, diagnosis code, and the provider. She refused unless I confirmed my personal information ; which I don't want to give out to someone I don't know and don't do business with. 

This company should be above board and not spoof their telephone number. The caller ID should accurately say who is the company or person calling.
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, Department of Education/XXXX has violated my Right to Privacy by sharing information regarding an alleged XXXX Loan that XXXX XXXX owes with the Credit Reporting Agencies without prior expressed written or verbal consent. This is in direct violation of Federally protect Rights, more specifically 20 USC 1232g ( b ). The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the PRIVACY of student education records. FERPA applies to ANY public or private elementary, secondary, or post-secondary school. This misrepresentation has caused extreme harm and mental anguish from the embarrassment of sharing private information with an uninterested third-party.
Product: Mortgage

RE : CFPB Case Number : XXXX Previously tried to respond, but computer stayed buffering, I now realize none of my information was uploaded. 
This is regarding DiTech opting to remove me from the Making Home Affordable Modification Program Incentive : " Pay for Performance ''. DiTech states that due to a late payment in 2014, I no longer qualify for this program. This is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$350.00} ; XXXX XXXX  XXXX Balance : {$120.00} ; XXXX XXXX XXXX Balance : {$4800.00} ; XXXX XXXX  XXXX Balance : {$800.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX  Bankruptcy Date XXXX : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Product: Debt collection

I have reached out for proof of this debt that I have no knowledge of no response. .. {$180.00} total u foreseen debt on my credit report
Product: Debt collection

Someone fraudulently placed an order in my name on XX/XX/XXXX to purchase an XXXX XXXX XXXX XXXX - XXXX in XXXX XXXX . The card # used ends in XXXX which does not belong to me. The invoice number is XXXX. The XXXX order # is XXXX. The payment listed is {$130.00}. The total cost I am being charges is {$1400.00} which is the cost of the phone and a monthly statement fee for XXXX account # XXXX. I did receive a box at my home, and it was returned. The return date is XX/XX/XXXX. All of this information was provided by a customer service agent with XXXX. I have copies of the purchase invoice and the return of the product to an XXXX store in my area. The last order status shows a refund was going to be processed and returned to the card ending in XXXX in the amount of {$130.00} which I do not own. 

This account was resolved with XXXX XXXX, but it was sold/transferred to XXXX XXXX XXXX , reference # XXXX. Their invoice is dated XX/XX/XXXX. I was able to dispute this account and they removed it from their system. Now the same account has been sold/transferred to Sunrise Credit Services , reference # XXXX. This collection agency also says I owe {$1400.00} just like the previous collection agency. A brand-new phone was returned to the creditor and never used. How can I be charged for a phone I did not order, and the return was processed by an actual XXXX employee at a store?
Product: Checking or savings account

On XX/XX/19 I used my debit card at a restaurant, I spent {$14.00}. After that transaction, my balance was positive. I would not have been able to make the transaction if I didn't have enough, and my card would not have worked. On my statement, it shows that after the charge of {$14.00}, my balance was {$18.00}. In spite of that, on XX/XX/19 I was assessed an over draft fee of {$32.00}, with the bank saying I overdrew the account. Then again today, I was assessed another {$32.00} fee, on a transaction I did on XX/XX/19. I paid for my XXXX XXXX , {$29.00}, and when I did that, my balance was sufficient. On my statement, it shows that after the debit of {$29.00}, my balance was {$6.00}. Now 2 days later, they tell me it was not. I know it was. I called the bank tonight, and the representative told me my account was overdrawn by me, both times. It was not. I believe what they are doing is holding transactions in a pending status, both debits and credits, and then processing them in a way that creates an artificial overdraft. The representative put me on hold this evening and came back saying that AS A COURTESY she would reverse one charge, but not two. This is ridiculous. If one of these charges is reversible, then both of them are. Courtesy is not why they are willing to reverse the charges ; they are hoping to make me feel lucky to get back even one of the charges. This is NOT RIGHT. I want my {$64.00} back, and I want them to stop this unethical and nefarious practice. They need to be penalized for tricking people!!!
Product: Credit reporting or other personal consumer reports

I am trying to submit disputes for fraudulent accounts that I have an FTC Identity Theft report for. I could not get into my online account, and when I called, the representative told me over the phone that this was because my online account was locked for fraud too. She said there is no way to unlock it no matter what I do, so from this point forward ( forever ), I will have to mail in my requests for disputes. This severely delays the processing of my request. I got another representative to take my dispute over the phone ( at least they said they did ), but then I was told I still have to mail in my FTC Identity Theft report. This costs money to print and mail, and also severely delays the process because I was told that the dispute can't begin until the report gets there.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX  XXXX Balance {$1200.00} ; XXXX XXXX XXXX XXXXXXXX {$510.00} ; XXXX XXXX XXXX XXXX Balance {$1000.00} ; XXXX  XXXX Balance {$480.00} ; XXXX XXXX  XXXX XXXX  XXXX {$0.00} ; XXXX XXXX XXXX XXXX Balance - ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$1200.00} ; XXXX XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance {$470.00} ; XXXX XXXX ( Original creditor : XXXX XXXX  XXXX. ) XXXX Balance {$780.00} ; XXXX XXXX XXXX ( XXXX : XXXX ) XXXX Balance {$420.00} ; DXXXX XXXX XXXX ( Original creditor : XXXX  ) XXXX Balance {$4500.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance {$79.00} XXXX XXXX XXXX XXXX ( Originalcreditor : XXXX XXXX ) XXXX Balance {$410.00} ; XXXX XXXX XXXX ( XXXX : XXXX XXXX  ) XXXX Balance {$830.00} ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX;
Product: Credit reporting or other personal consumer reports

XXXX XXXX fraudulently used my nonpublic personal financial information by disclosing said private information to nonaffiliated third parties without my consent. 
I was never provided full disclosure of my privacy rights under the XXXX XXXX ( 15 USC 6802 ). XXXX CREDIT is depriving my rights under the color of law ( 18 USC 242 ). And is attempting to collect extensions of credit by extortionate means ( 18 USC 894 ).

Said information was shared without authorization nor consent to nonaffiliated third parties, including but not limited to EXPERIAN by way of identity theft, and said third parties are conspiring to collect extensions of credit by extortionate means ( 18 USC 894 ).
Product: Debt collection

I mailed MRS BPO in XX/XX/XXXX disputing this and demanding legal validation. They have refused to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received a letter from XXXX that my bankruptcy had been unverifiable and deleted from my credit report. 

I've disputed the bankruptcy with Equifax several times since then, and they continue to report my bankruptcy and say they verified the public record through XXXX. 

They also say that the last time they verified the public record was in XXXX. 

Equifax is not verifying the information with XXXX because it has been removed from my XXXX report. I'm attaching that report. 

Equifax needs to be help accountable for this
Product: Bank account or service

Bank of America did not only open XXXX but XXXX checking account in mine and my mother 's name after XXXX of them they already closed for fraudulent activity I believe they 're stupid
Product: Money transfer, virtual currency, or money service

Mailed a cashier 's check/ certified check by XXXX  XXXX to said Realtor- for home repairs and was not a REALTOR! 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX for {$31000.00} and {$100.00} XXXX XXXX  I called immediately to Navy Federal -- -- -- Spoke with Fraud agent XXXX and waiting for papers to be sent to me! Happened on XX/XX/21. Please help get this person -- -- -- -- -- -- - Fraud agents said was picked up at another address? This was out of XXXX XXXX account. Pkg ID : XXXX Tracking # XXXX.
Product: Mortgage

1. Been trying to get a history of all my payments, charges and any penalties since the start of my mortgage in 2003. Ocwen is showing I owe {$87000.00} on my loan. According to my calculations and the original amortization schedule I am showing I owe {$68000.00}. But they will only provide me 2 years of my past payments statements and none going back to my original start date in XXXX 2003. I have been asking for this for over a year and can not get my records. I have emailed them, wrote letters, and called Ocwen and nothing. I also called XXXX at ( XXXX ) XXXX and address at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX who I believe is the trustee for the investors of the loan and they said they would contact Ocwen and still nothing. 2. ) I have been trying for over a year to get a modification through Ocwen and they just keep coming back with more repeat information needed and I keep on resubmitting it and nothing to this date.
Product: Credit card

On XX/XX/2024, my billing cycle closed, and I had a balance of {$9600.00}, with a due date of XX/XX/2024 ( see attachment ). By that date, I had made partial payments and redeemed reward credits totaling {$10000.00}. Regardless, on XX/XX/2024, Capital One made a withdrawal from my checking account through their " Auto Pay '' system for {$8200.00}. This was improper because the total credits applied to my account exceeded the balance due on that date, so I disputed the transaction with my bank, and the payment was returned. 

Capital One now claims that despite the fact that the total credits applied to my account exceeded the balance due by XX/XX/XXXX, I did not make the total payment due, and my account is past due. While I fully disagree with their contention that my account was ever past due, I agreed to make a payment of {$1000.00} today ( XX/XX/2024 ). Capital One 's representative XXXX, ID number XXXX, promised that if this payment was made today, no information about a past due payment, or anything other than " paid as agreed '' would be reported to credit bureaus. While I was skeptical of this promise, I agreed to make the payment, in the interest of protecting my credit rating. 

After extensive discussions with Capital One, the dispute boils down to the application of two Capital One policies, which I contend are misleading and improper : 1. Capital One 's Auto Pay feature allows a consumer to automatically schedule a payment to pay statement balances in full on the due date. However, nonsensically ( and in opposition to the behavior most of their competitors ), Capital One does not subtract any early payments made from the " balance '' due. Capital One representatives have described this to me as " that's just the way Auto Pay works, '' and claimed that in order to truly have only the balance due subtracted, I would have to call the company before any automatic payments are completed. The behavior of their Auto Pay is both unreasonable, and opposite to how the system is described on their own website when setting up the feature ( see attached image ). Applying a common sense interpretation of what a consumer would believe will happen is not congruent with the behavior of their system. 

2. Capital One does not apply promotional credits to payments due, and does not make it clear to the consumer that this behavior exists. All promotional credits are listed as payments on their website and their statements ( see attachment ), like any other payment would appear. Despite this, Capital One does not apply these credits at the time they are redeemed, but holds the credits and applies them to the balance due at the end of the billing cycle - despite the fact that they appear immediately on the transaction list, with the redemption date. Given the way the information is presented by Capital One, any consumer would be expected to believe that their credits had been applied to their account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX incorrectly billed me for cell phone services and refused to correct the bill in XX/XX/XXXX. 

I refused to pay the ridiculous sum and they would not correct it because the account was already in collections because I was out of the country. In XX/XX/XXXX They then made the first attempts to collect the debt in XX/XX/XXXX and later sold the debt to debt collection agencies. 

The debt collection agency XXXX XXXX XXXX has RE-AGED the debt to show that it originated on XX/XX/XXXX nearly 4 years after the original date of collection. 

This is a bold violation of the F.C.R.A, similar companies have been fined {>= $1,000,000} for such violations. 


XXXX XXXX XXXX I have made every attempt to correct the debt with XXXX XXXX as well as the collection agencies that have held the debt they have expressly refused for 6 years!! 

Sense they have been unable to collect on the illegitimate debt they have decided to illegally re-age the debt in hopes of either passing it off to another agency, reporting it on their balance sheet or just maliciously harming my credit. 

I have disputed the debt on my credit report multiple times over a 6 year period, as well as notified the agencies in writing as well as by phone. 

The violation of my rights by these corporate thugs will no longer be ignored. I intend to exercise my rights to the fullest extent of the law. 

This is beyond disrespectful and is IN FACT CRIMINAL.