23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding Equifax 's continued inaccurate reporting of a debt associated with XXXX XXXX XXXX. The original balance of this account was {$5000.00}, which I settled in full for {$4000.00} on XX/XX/year>, as agreed upon in a written settlement agreement.

Attached to this complaint are the following documents to support my case : 1. Settlement Agreement : Signed on XX/XX/year>, confirming that {$4000.00} would resolve the total balance.

2. Payment Confirmation Email : Showing the payment was completed via ACH on XX/XX/year>, in the agreed-upon amount of {$4000.00}.

3. Current Credit Report from Equifax : Still inaccurately reporting the original ba
lance of {$5000.00} instead of reflecting the settled amount as {$0.00}.

This continued error in reporting is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite fulfilling my obligation and paying the settlement amount in full, Equifax continues to report this account inaccurately, causing harm to my credit score and financial standing.

I request the following actions : 1. Immediate correction of my credit report to reflect a {$0.00} balance for this account.

2. Written confirmation from Equifax that this error has been resolved.

Please investigate this matter promptly and take the necessary steps to ensure compliance with federal reporting standards.

Attachments for Reference : Settlement agreement.

Payment confirmation email.

Current credit report showing the error.

Thank you for addressing this issue swiftly.
Product: Credit card or prepaid card

My employer gave me a {$500.00} gift card. I was able to use it for one purchase of {$130.00}, when I tried to use the card again I was told it was expired. 

I contacted OmniCards by phone, not sure of the date but in early XXXX. I explained that I never imagined the gift card would expire because it is my understanding that gift cards do not expire in the state of CA. I was told that they would charge me a re-processing fee of {$15.00} but that the remaining balance of {$340.00} would be issued to me on a new card and that I could expect to receive it in approximately 21 business days. 

After waiting various months I called OmniCards again on XX/XX/XXXX and was told that I was sent an email in XX/XX/XXXX stating that my case had been closed and that they were unable to issue me a new card because it was a " Rewards '' card and not a gift card. I explained that someone had already told me I could recover the funds with a {$15.00} penalty. They advised that they would escalate the matter but that they could do nothing for me. I asked if the the card was less expensive because it is a " rewards '' card and asked if my employer had spent less than {$500.00} when purchasing it for me, but I did not receive a clear answer. They said someone should respond in 1-2 business days.
Product: Credit reporting or other personal consumer reports

I requested Transunion to remove the following unauthorized inquiry from my credit file : Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Letters were sent XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX started reporting negatively on my credit report XXXX of XXXX, had XXXX XXXX XXXX virus. Again on XX/XX/XXXX they reported negatively on my credit report and against n I had XXXX XXXX. I call on both occasions to prevent negative credit reporting during this time of unrest and as stated in the XXXX XXXX CARES ACT. My problem is I called both times and both times I was told dont worry since I called in they will make note and it should not go against me. Well it did and it has effected me negatively with adverse credit scores.
Product: Mortgage

Caliber Mortgage took over  my mortgage from  XXXX  in  XX/XX/XXXX . In  XX/XX/XXXX , I received a   XXXX   XXXX   form for {$5000.00}. Note : from  XXXX . I had no association with  Caliber in   XXXX , nor did I ever work for them. Coincidentally, their form  XXXX  misrepresented my real estate taxes by {$5400.00} short. I am not worried about that as I have receipts from  my county tax co llector.  <P/> However, the  XXXX . I have had to pay a penalty and income tax on it ... ..for income I never received.  <P/> I have called them numerous times, and faxed over the form  three times ( as they " do not see it in their system '' ). I have received numerous responses when I call  ... .from ( I see it now ; someone will call you within a week ... .... someone will respond back in 30 days ... ..I do n't see it all ). Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted JPMCB Auto about reporting my XXXX Chase Auto Acct # XXXX XXXX late. This derrogatory information on my personal consumer report is damaging my credit rating and credit profile with XXXX, XXXX, XXXX and XXXX. 

This is a violation of consumer law 15 USC 16802B. I have never given my permission to JPMCB Auto to report my personal information to a third party ie XXXX, XXXX, XXXX and XXXX. Furthermore I was never given a opportunity to OPT-OUT of this process of reporting my personal transaction history to a third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm in the XXXX Data breach and my identity was stolen from all creditors and person involved and I would like to let you know I received my XXXX confirmation number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Inquiry from XXXX XXXX, 2018 + Bank not mine XXXX not XXXX XXXX never late chase inqires not mine equifax and XXXX have ruin my credit i 've made every payment XXXX XXXX  reporting wrong amount with only owe them XXXX
Product: Vehicle loan or lease

Credit is defined by 15 USC 1602 ( e ), as the right granted by a creditor to defer payment or to incur debt and defer payment. As a consumer, 15 USC 1602 ( h ), and creditor, 15 USC 1602 ( f ), I issued my credit card over the phone to XXXX XXXX XXXX XXXX representative XXXX XX/XX/2022, a consumer credit transaction was completed via Exeter Financial Services and Exeter denied me credit. The denial discriminates against my rights as a creditor and it violates 15 USC 1691 ( a ) ( 3 ).
Product: Prepaid card

I received a Netspend card and activated under the impression that it was sent from the government for my benefits. The following week, the government advised me that they did not send the card once I questioned them about the benefits not posting. I called Netspend to cancel the card and I keep getting placed on long holds and having to repeat why I dont want a card I never applied for in the XXXX  place!
Product: Credit card or prepaid card

I financed a bed from a now defunct business. I cant find any info on what this name of the business was. The loan is from synchrony bank. The problem I am experiencing is that they failed to mention how deferred interest worked in full. I was told that as long as I made my payments I would not be charged any interest. What they failed to mention is that I had a deadline as well. They made no attempt to communicate this in store. and the app through which I pay did nothing to inform me of this coming issue. The info was there but only if I dug for it. They made no discernable attempt to make me understand the full breadth of the contract. On XXXX I started this line of credit. I was told that as long as I make my payments om time, no interest would accrue. I made all payments on time, sometimes more than the minimum. And on XX/XX/XXXX my undisclosed deferred interest date kicked in and I was immediately charged {$1300.00}, on XX/XX/XXXX they charged another {$71.00}, and on XX/XX/XXXX another {$66.00}. My minimum payment right now is {$95.00}. If things continue like this it would take decades probably to pay off, the APR is 29.99 %, they clearly intend to keep me in debt. This is designed to take advantage of people. I did contact Synchrony and all they had to say was " Sorry '' that I hadn't been informed of how this worked. They said I had a month after initial interest started to pay it off. But I failed to notice what they had done until the 30 days had passed.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number XXXX and XXXX XXXX XXXX {$42000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 it also states a consumer reporting Agency can not furnish 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 follow items of information any other adverse item of information other then records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681s-4 ( 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: Payday loan, title loan, personal loan, or advance loan

I purchased a home in XX/XX/XXXX, and I wanted solar panels. At that time ( XXXX  ) I began working with XXXX XXXX who was going to install the solar panels. They said they have a finance company that can finance the project. I agreed to the financing. However, as of today, I do not have solar panels and the project has been canceled. I canceled it ( XX/XX/XXXXXXXX  ) due to the lack of communication and no installation date. It is now over a year and I am still trying ( since XX/XX/XXXX ) to get the loan out of my name. XXXX canceled the project as requested and now Mosaic is requesting payment on the loan and I have no product. They keep telling me that they need to get permission from XXXX to cancel the loan. No one is talking to each other and no one is listening to me. Neither one will communicate any of the information via email or in the form of a written letter. As if they don't want to admit that the project has not and will not go forward. Mosaic states that XXXX says the project is still moving forward but when I login to the customer portal for XXXX it says the project is canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed disputes with the Credit Reporting Agencies regarding the only collection on my consumer report account XXXX XXXX original creditor is XXXX XXXX. I requested the collection be investigated because the information is being reported grossly different. Experian reports that I've never made a payment on time while XXXX reports I've never missed one payment, and XXXX does not report at all. Under the FCRA all information on my consumer report is suppose to be 100 % accurate, complete and verifiable. So what I don't understand is how a thorough investigation was done when you can clearly see the inaccuracies on my consumer report. I am requesting that the account be deleted due to the inaccuracies. The burden of proof is on them not on me. 

Account XXXX XXXX original creditor XXXX XXXX Please delete account.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I saw an advertisement on Credit Karma for the XXXX XXXX XXXX XXXX. The card had a massive " Karma Guarantee '' banner on it ( see attached screenshot 1 ) that prominently guaranteed that I would be approved for the card, or I would receive {$50.00} from Credit Karma. 

The following day, on XX/XX/XXXX, I applied for the XXXX XXXX XXXX XXXX through Credit Karma, backed by the Credit Karma Guarantee. My application was rejected by XXXX. ( see screenshot XXXX ) Credit Karma knew that I was immediately rejected for this card because they removed the " Karma Guarantee '' from this card and lowered my approval odds for that card to " Fair ''.

I quickly learned that there was no way to apply for the Karma Guarantee. Credit Karma told me that I would receive an email if I qualified. However, I obviously qualified since I was rejected but I never received any follow up emails from Credit Karma. 

I ended up contacting their customer service ( see screenshot XXXX ) about this issue. They copy and pasted something in response that was not helpful. Eventually, someone escalated this issue and requested my adverse action letter, which I provided ( see screenshot XXXX ). 

After they received my adverse action letter, they told me that I qualified for the Karma Guarantee and I should receive an email from XXXXXXXX XXXX XXXXo claim the reward. ( see screenshot XXXX ) This email never came, and customer service was incompetent or unable to assist in claiming my reward. It doesn't appear that Credit Karma is acting in good faith to pay out these Karma Guarantee rewards. I have read many online posts about people not receiving their Karma Guarantee payments. 

I attempted to contact Credit Karma customer service again and they originally copy and pasted the same response several times about the Karma Guarantee. Eventually, they told me " It looks like your case XXXX is still open. The specialized department is already working on it. '' They ceased any further communication and wouldn't respond to new tickets opened about this issue. 

Credit Karma recently entered into a {$3.00} XXXX settlement with the FTC around a very similar issue ( XXXX XXXX XXXXXXXX ).
Product: Mortgage

I suffered a hardship in XXXX of XXXX. My father passed away, I paid for the funeral and then shortly after I lost the tenant in my apartment. I kept the mortgage company Nationstar aware of what had happened and asked for some understanding. The mortgage was not paid XXXX, XXXX & XXXX of XXXX. In XXXX XXXX I got a new tenant. I immediately sent a payment for XXXX & XXXX and advised them that starting XXXX XXXX I will send the regular payment & and additional {$500.00} a month until the 3 months I originally missed were paid for. Nationstar sent both payments back to me. They said either give them the entire 5 months plus late fees, attorney fees etc or they are starting foreclosure. They said my only option was a loan modification. I asked " what if I am not approved '' the loan specialist on their recorded line said " you will be approved for something I just do n't know what ''. So here we are 11 months later with a tacked on {$5000.00} in attorney fees, I am denied with no other option but to try and borrow {$16000.00} to make this loan current. The denial was because it 's not my primary residence & they will not accept all my income. Even though they asked me to send in my contributor package twice with my husbands income. They denied my application after 11 months stating that the only income they will accept to show all my expenses is the rental income. The big issue here is that they knew from the very beginning that this was a rented property but racked up {$5000.00} in attorney fees and late fees dragging me along when there was absolutely no way I was getting approved for a loan modification. So now my attorney fees, late fees etc. cost more than the original three months I was behind. It would have taken me 6 months to bring the mortgage current yet they intentionally strung me along so they could rack up as much money as possible leaving me no other option. The worst part is that everything else, taxes, 2nd mortgage and HOA fees are all current. The 2nd mortgage company XXXX took the 3 months missed and put it to the back of the loan, they immediately worked with me due to me never missing or sending a late payment in the last 10 years that I have had this mortgage.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX XXXX 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: Other financial service

i was tolled i would have a credit score of XXXX at the end of six months.by the Customer Support Specialist worked on my case. which she no longer works their.. in fact they lowered my score ... nothing changed. they keep disputing things that i was paying on like my car payment, my credit card, etc. they company is parkview credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to have a fraudulent inquiry removed from my Equifax report since XXXX. I have contacted both Equifax and XXXX XXXX XXXX XXXX XXXX about having this removed, and they both blame each other for it being there. I have the document sent to XXXX XXXX XXXX XXXX XXXX, and the listed times I contacted Equifax.
Product: Credit card or prepaid card

In 2003, I obtained a Best Buy Credit Card. It is currently serviced by Citibank. I noticed that I have been being charged up to 12 percent annualy for " debt protection '' which I never agreed to purchase from 2003 through present. I requested that Citibank send me the proof that I signed up for this service ( a signiture or other affirmation that I agreed to purchase " debt protection '' ) After numerous calls to Citibank, I was told the " debt protection '' was provided by a third party, but no one knew the name of the company that provides the " debt protection service. '' I later found out it may have been provided by a subsidiary of Citibank which is an insurance company. Even the cancellation department for the " service '' was unable to explain who they worked for. I was told they would be recording my call, when I asked if I would have equal access to the recording, I was told " no. '' When I asked whether I could record the call, the person asked a supervisor, then got back on the phone, and told me since I asked to record the call she could n't talk to me and immediately hung up. I called back and said I would talk to them under duress. They agreed to cancel the service, I never agreed to pay for in the first place and told me that another department which they only have an address for that has no phone number I could call or email address would find the proof that I signed up for the service. 30 days later, I received a letter saying Best Buy 's records indicated that I signed up for the service with NO proof that I did sign up. I called back and explained again that I think they have been fraudulently charging my card for a service I never agreed to pay for and I mentioned that it appears that Citibank entered into a consent Order in Federal Court ordering it to pay XXXX XXXX dollars to consumers for the exact same issue I am having. Specifically, that debt protection service was charged without ever being authorized by the consumer. I was told, they have no idea about that. I again demanded all amounts that I was fraudulently charged since 2003 be refunded to me with interest. Against 30 days later, I received a letter saying their records indicate that I signed up for this service in 2003, again with no proof that I did in fact sign up for the service. It has now been almost 3 months since I started this process of attempting to get the money they essentially stole from me back without filing a lawsuit.
Product: Checking or savings account

On XX/XX/year> i received an email notifying me my checking and savings account would be restricted and closed because i violated bank policy. Starting from XX/XX/year> i called the bank once a week requesting information on the closure and return of funds. i was told the investigation would take 60 days to conclude. After the 60 days passed i was notified that my funds would not be returned. I am seeking assistance with getting the bank to talk to me regarding why the account was restricted and closed and my funds confiscated.
Product: Mortgage

I have contacted Wells Fargo repeatedly about their unscrupulous practices and what appears to be fraudulent servicing of my loan. They have misapplied or not applied numerous payments throughout my loan in order to drive my loan repeatedly into foreclosure. Last year, I reported the same activity. I make payments. They hold onto those payments and don't apply them to the loan ; then they claim I didn't make the payment, which they were holding ; then filed a foreclosure action against me. The foreclosure, which was padded, was paid in full, based on their false claims. Then right after the foreclosure was paid, they started the same activity. 

In XXXX, I received a bill stating I owed {$840.00} odd dollars to pay off the loan in full. Rather than make two payments, I paid the entire amount that their website, phone and statement said was owed. They took the money, but didn't apply it. The next month, although I paid the entire amount the bill said was due in XXXX for the entire loan, they added another {$420.00} dollars and said I owed that. When I called and inquired, they claimed that they would look into.I paid that amount. However, they again claimed I owed more money, although I repeatedly paid the amount they claimed needed to completely pay off the prinicipal. Next time I called them, their phone rep admitted that they were holding the money and didn't apply it. They couldn't say it wasn't enough money because they were holding twice the amount of money that I sent them then they bill claimed I owed. They asked if I wanted them to apply the money. Why would I send money to pay off the mortgage in full if I didn't want them to apply it to the account. This same conversation has taken place each month for three months. 

They have repeatedly reported this bill late, although they are literally holding my money, more than what was owed, and falsely reporting it late. They are now threateing foreclosure on a bill that I paid off in full all principal due in XX/XX/2019. They are still holding my unapplied funds and keep generating new bills after I pay each one off. This company is crooked and taking advantage of consumers. I am miffed as to why the government continues to allow them to get away with this fraudulent activity. I have recorded every conversation with their reps and they admit that they have been holding my money and not applying it. Then they keep adding late fees despite me not paying late. But why would I keep paying the same bill off over and over again? 

Ask for the records of their website statement for the past six months and for the phone recordings that told me how much was due. Please determine why after I kept sending that amount of money stated in the bill, they didn't apply it, but generated a new bill.
Product: Credit reporting or other personal consumer reports

PLEASE SEE THE DOCUMENTS BELOW AND HAVE THE FOLLOWING ACCUNTS DELETED ASAP OFF MY CREDIT -CREDIT SERVICES-XXXX  -XXXX  XXXX -THE XXXX XXXX INQUIRIES -IMPORT PLUS- XXXX XXXX AND XXXX XXXX XXXX XXXX
Product: Debt collection

ENHANCED RECOVERY COL ACCOUNT # XXXX DATE XXXX {$870.00} ENHANCED RECOVERY ATT ACCOUNT # XXXX DATE XX/XX/2020 {$700.00}