{"took":167,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":77,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"16979348","_score":20.416313,"_source":{"product":"Credit card","complaint_what_happened":"Previously I filed Complaint about this information is under XXXX XXXX XXXX XXXX credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded Previous Next Why my complaint is closed. I submitted all supporting documents which shows that mine and my wife 's card was approved at different time. and how American Express customer service shows both credit cards on my social security no.and my account was not credited with bonus miles. \nCompany was asking me to provide copies of mine and my wife 's Govt issued Photo ID and Social security card. Means they agree with the bonus miles offer but want to double check that both cards not on my social security no. \nI don't understand that my wife 's card was approve more than two years ago how they can approve her card on my social security no.. I request you to ask them to provide original copy of my wife 's application for credit card which will show her social security no. \nCompany people they don't want to accept there mistake. Thank you. \nXXXX XXXX","date_sent_to_company":"2025-11-04T02:19:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"01876","tags":"Older American","has_narrative":true,"complaint_id":"16979348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-11-04T01:44:21.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["I submitted all supporting documents which shows that <em>mine</em> and my <em>wife</em> 's card was approved at different time. and how American Express customer service shows both credit cards on my social <em>security</em> no.and my account was not credited with bonus miles. \nCompany was asking me to <em>provide</em> copies of <em>mine</em> and my <em>wife</em> 's Govt issued Photo ID and Social <em>security</em> card. Means they agree with the bonus miles offer but want to double check that both cards not on my social <em>security</em> no."]},"sort":[20.416313,"16979348"]},{"_index":"complaint-public-v1","_id":"17888104","_score":19.993895,"_source":{"product":"Credit card","complaint_what_happened":"XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company Responded XXXX XXXX XXXX General-purpose credit card or charge card Advertising and marketing, including promotional offers AMERICAN EXPRESS GOLD DELTA SKYMILES XX/XX/year> Closed Company responded My credit card Ending with XXXX was approved by American Express in XX/XX/year>. I compiled all conditions but my account was not credited with Bonus miles. American Express record shows that my Credit card Ending with XXXX and My wife XXXX credit card ending with XXXX which was approved couple years ago are on the same social security number so they ask me to provide mine and my wife 's Govt Photo ID copies and mine and my wife 's copies of social security cards front and back. I provided all the proofs showing two different person. As per my knowledge it's not safe to provide copies of the social security card to any credit card company. so I request CFPB please let me know it's safe and legal to provide copies of the social security card to credit card company. If American Express consider US income tax return which will show two different social security no. I will provide that, it's a govt document. \nI filed above two complaint with CFPB but company answer is same. So I request American Express please provide me the copy of my wife 's original application on which Credit card XXXX was approved","date_sent_to_company":"2025-12-03T00:31:36.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"01876","tags":"Older American","has_narrative":true,"complaint_id":"17888104","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-12-03T00:05:10.000Z","state":"MA","company_public_response":null,"sub_issue":"Didn't receive advertised or promotional terms"},"highlight":{"complaint_what_happened":["American Express record shows that my Credit card Ending with XXXX and My <em>wife</em> XXXX credit card ending with XXXX which was approved couple years ago are on the same social <em>security</em> number so they ask me to <em>provide</em> <em>mine</em> and my <em>wife</em> 's Govt Photo ID copies and <em>mine</em> and my <em>wife</em> 's copies of social <em>security</em> cards front and back. I provided all the proofs showing two different person."]},"sort":[19.993895,"17888104"]},{"_index":"complaint-public-v1","_id":"1921907","_score":16.327648,"_source":{"product":"Debt collection","complaint_what_happened":"My ex-wife & I rec 'd a disaster relief loan in XXXX ( XXXX ). We divorced in XXXX. My ex was awarded the property & was court ordered to refinance to remove me from all existing/future debt associated with the property. The property was refinanced in XXXX and multiple times thereafter. I am unsure when but ( according to Bayview ) my ex filed bankruptcy and in XXXX, Bayview Financial aka Bayview Loan Services added my ex-wife 's social security number as my alias & reported me as delinquent for the debt. I disputed the report with Bayview and was told because I was on the original loan, regardless of the court order the debt was mine. I noticed that the debt was gone from my XXXX report ( I monitor regularly ) so I assumed that Bayview corrected their mistake. \n\nMy current wife and I are now trying to buy a house. We recently discovered that Bayview is reporting me as delinquent, under XXXX different accounts and with my ex-wife 's social security number. When I called the credit reporting agencies I was told that because the company reported me as applying for credit with that social security number it would remain unchanged. \n\nMy wife and I have been communicating with and providing Bayview with everything they have asked for/need to remove all Bayview reporting, including my ex-wife 's social security number, from my credit. We told each Bayview representative that we do not need my credit report fixed right this minute - what we need is a letter from Bayview confirming that Bayview wrongfully reported me as delinquent & is working to fix the problem. \n\nTo date, Bayview refuses to provide me with the letter I need to secure an affordable home loan. One representative confirmed that my case seemed odd and told me that my file was being sent to the escalation team. \n\nMy wife has been calling endlessly trying to get answers from Bayview. I provided several written approvals giving Bayview permission to talk with my wife. However, some times she was told they ca n't talk to her and other times she was told \" I do n't have access to another representative 's records. '' Some reps could find the delinquent account and some could not. Every time we called, we would get the run around. My wife finally called Bayview 's attorney and we were provided with a name and direct telephone number. That person provided us with someone else 's info. \n\nUnfortunately, every time we call we are asked for some type of proof to support our claim. First Bayview 's escalation dept told us to file a credit dispute. When we explained that all we needed was a letter from Bayview clearing me of the debt ( we could fix my credit later ) we were told something along the lines of \" Dispute it & I will see what I can do. '' When we called for an update, we were asked for the divorce decree. They already had a copy so we had to produce a copy of the XXXX Quit Claim deed. We provided the document to Bayview within hours. We also provided property reports. We called for updates and were told to provide a copy of credit report ( s ) showing that Bayview was \" allegedly '' reporting me as delinquent. The phone calls continued, us always having to call them only to be told \" we 're working on it ''. Additionally, every time we spoke with the Bayview rep we were explicitly clear that we are trying to buy a house and all we need is a letter from Bayview indicating that the delinquent reporting is wrong, my ex 's social security number is not mine & they are working on fixing their mistakes. \n\nWe waited 6 days for a status update. When my wife called Bayview today they told her that the credit report was redacted & difficult to read. My wife explained that the redacted info was hers. Bayview confirmed that what we provided was sufficient however the person \" in charge '' of providing us with the letter we are asking for is unavailable.","date_sent_to_company":"2016-05-12T23:20:46.000Z","issue":"Cont'd attempts collect debt not owed","sub_product":"I do not know","zip_code":"94947","tags":null,"has_narrative":true,"complaint_id":"1921907","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)","date_received":"2016-05-12T23:20:45.000Z","state":"CA","company_public_response":null,"sub_issue":"Debt is not mine"},"highlight":{"complaint_what_happened":["My current <em>wife</em> and I are now trying to buy a house. We recently discovered that Bayview is reporting me as delinquent, under XXXX different accounts and with my ex-<em>wife</em> 's social <em>security</em> number. When I called the credit reporting agencies I was told that because the company reported me as applying for credit with that social <em>security</em> number it would remain unchanged."],"sub_issue":["Debt is not <em>mine</em>"]},"sort":[16.327648,"1921907"]},{"_index":"complaint-public-v1","_id":"2660988","_score":16.057093,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I 'm complaining about how Equifax is handling there security leak with the fact that both mine and my wife 's social security number, name, DOB, address and possibly more has been leaked because they have a very WEAK cyber security practice. Why would you have your database linked to web interface without many authorization and allow direct connect is beyond my understanding. The leaking happened during the summer and they also did n't report or make such leak public util early XX/XX/XXXX, which provide window for greater risk for us involved. \n\nI have to freeze all my credit on three bureaus to make sure my information will not be used inappropriately my criminals, a step which I should never have to take for something that I was not blamed for. I tried to contact Equifax but I could never get through their customer service number to a real person.","date_sent_to_company":"2017-09-09T13:51:29.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"60610","tags":null,"has_narrative":true,"complaint_id":"2660988","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-09-09T13:36:56.000Z","state":"IL","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["I 'm complaining about how Equifax is handling there <em>security</em> leak with the fact that both <em>mine</em> and my <em>wife</em> 's social <em>security</em> number, name, DOB, address and possibly more has been leaked because they have a very WEAK cyber <em>security</em> practice. Why would you have your database linked to web interface without many authorization and allow direct connect is beyond my understanding."]},"sort":[16.057093,"2660988"]},{"_index":"complaint-public-v1","_id":"2302315","_score":15.366471,"_source":{"product":"Credit reporting","complaint_what_happened":"I went to buy a house ... ... ... .My credit report was pulled, TransUnion showed a debt to XXXX XXXX for {$4700.00} to XXXX ... ... ..I have never had any dealings with XXXX ... ... ..I contacted XXXX to try to resolve this matter ... ... ..This debt was incurred XXXX XXXX, my son XXXX and his wife XXXX XXXX XXXX were living with me at the time ... ... ... .My son and his wife were handling my bills for me, they had access to Social Security Numbet and credit cards ... ... I was declared XXXX in XXXX ... ... ..Started receiving mt disabilty from social security in XXXX XXXX ... ... ... ... ... I knewe that I would never be able to work again, why on earth would I take a management course knowing that I would never be able to work again ... ... On the other hand XXXX XXXX XXXX was trying to get ahead ... ... ... .I contacted XXXX XXXX @ XXXX XXXX. I wass ujnable to get a phone number, address, or email for XXXX ... ... .XXXX could not provide me with a signed contract, the social security number on this account, a voice print ... ... ... ... No proof that this was my debt ... ... ... ... .All they had was my name ... ... ... ... ... I know that I am notk the only XXXX XXXX in the world ... ... ... ... XXXX would provide me with nothing that would prove that this debt was mine ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was mine ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt","date_sent_to_company":"2017-01-21T12:36:07.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"84081","tags":"Older American","has_narrative":true,"complaint_id":"2302315","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-01-21T12:36:07.000Z","state":"UT","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["XXXX would <em>provide</em> me with nothing that would prove that this debt was <em>mine</em> ... ... ... ... .I had to pay the money in order to buy my house ... ... ... ... I did find out that XXXX had as a registered Agent XXXX @ XXXX ... ... ... ... XXXX XXXX and XXXX XXXX Offices do not exist ... ... ... ... ... .No one could prove this was <em>mine</em> ... ... ... ... Please helo me. Only XXXX of the XXXX credit reporting agencies showed this debt"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"],"sub_issue":["Information is not <em>mine</em>"]},"sort":[15.366471,"2302315"]},{"_index":"complaint-public-v1","_id":"6183642","_score":14.295933,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Hello, my name is XXXX XXXX On XX/XX/2022 self financial inc headquartered at XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX Locked my credit card.My credit card was paid and up to date and I have never missed any payments.Self financial sent me a email demanding that I send proof and verifymy wifes debit card I used to pay my self credit card account. \n\nI have sent everything the asked for from, copies of my wifes bank statments, to pictures of my wifes debit card, to a picture of my wifes social security card, a copy of our texas marriage certificate and even pictures of me and my wife holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully was allowed to you my wifes debit card. \n\nTexas is a communiy property state and under state law her account is mine and vise versa, and I have fully athority from my wife to use her account and she has the same authority with my.Self has intentionlly went out there way tp cause me and my family financial harm by cutting off my line of credit for no reason even after all information was provided to self .Im accusing SELF FINANCAL INC OF PREDITORY LENDING. \nunder texas qualifications for preditory lending-Predatory lending is any lending practice that imposes unfair and abusive loan terms on borrowers, including high-interest rates, high fees, and terms that strip the borrower of equity. Predatory lenders often use aggressive sales tactics and deception to get borrowers to take out loans they can't afford. \n\nSELF ENGAGED IN PREDITORY LENDING BY-IMPOSING UNFOAR AND ABUSIVE LOAN TERMS.In the email sent to me XXXX second self demanded that I further provide the same documents even though the documents i provided on XXXX seperate accassion were legitamite, authintic, was from the list of acceptable documents self provided to me to send and they proved without a shodow of a dought that there was no errors.The deception came when self knowing knew these documents were legitamite and accure and still used abusive tactics anyways with there man goal of closing my account.","date_sent_to_company":"2022-11-09T18:50:54.000Z","issue":"Trouble using your card","sub_product":"General-purpose credit card or charge card","zip_code":"75071","tags":"Servicemember","has_narrative":true,"complaint_id":"6183642","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Self Financial Inc.","date_received":"2022-11-09T18:26:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Can't use card to make purchases"},"highlight":{"complaint_what_happened":["I have sent everything the asked for from, copies of my <em>wifes</em> bank statments, to pictures of my <em>wifes</em> debit card, to a picture of my <em>wifes</em> social <em>security</em> card, a copy of our texas marriage certificate and even pictures of me and my <em>wife</em> holding our drivers license with our matching addresses.And ther name on her drivers license that matches the name on the card I use.Self has pourpusly and malicously refuse to accept any of my information to show without a showdow of a dought i leaglly and rightfully"]},"sort":[14.295933,"6183642"]},{"_index":"complaint-public-v1","_id":"2982181","_score":14.126438,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"When I received my credit report from Experian at the end of XX/XX/2018 I noticed accounts that were not mine, reported incorrectly, addresses that were not mine and inquires I never requested. I wrote a letter had it notarized and sent it to Experian via certified mail on XX/XX/2018. On their response dated XX/XX/2018 they claimed that everything had been verified but as I started reading the second page I noticed that they are mixing my credit information with someone called XXXX XXXX XXXX. They even included his wife in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Experian is breaking the law and have made a mess of my life by having false, unverified information on my credit report which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance","date_sent_to_company":"2018-08-05T18:48:47.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"77070","tags":"Servicemember","has_narrative":true,"complaint_id":"2982181","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2018-08-05T18:17:41.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They even included his <em>wife</em> in my credit response! In the results of their investigations, Experian stated in writing that they verified that these items are being reported correctly. How was this verified? Who verified these accounts? What documentation was provided to them? They have FAILED to <em>provide</em> me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A )."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.126438,"2982181"]},{"_index":"complaint-public-v1","_id":"4032083","_score":14.050144,"_source":{"product":"Debt collection","complaint_what_happened":"I was made aware XX/XX/XXXX that my ex wife had obtained a credit card in my name with out my consent or knowledge and had been using the card sinceXX/XX/XXXX and had been making payments on the card wit the XXXX XXXX account and in XX/XX/XXXX she made a XXXX dollar payment on it with a joint checking account with mine and her name on the checking account and now the company says that i am responsible of the total debt. Even Though i have never had any knowledge of the card and all the info i have received from citi bank in the last 11 months. I have continuously asked them for there securities services to send me all info on the account. In writing and over the phone they have told me numerous times that they could not because i was a victim of fraud and identity theft. every time i've called them and explain they instantly close the account. But i have been talking with an agent named XXXX in security services he has said that there has been a lot of bad behaviour on this account i've asked for the signatures on the account and he tells me that he can not provide them to me. This account was opened nine months before i moved to the state of oregon. At the time my address was in XXXX  Id. I did not move to the state of oregon so in the last 11 months of talking to citi bank i have found that my ex wife was responsible for using my personal info to obtain and use a card in my name with out my consent or knowledge. Citi bank has told me that she has used XXXX XXXXy and XXXX XXXX  accounts to pay for things on XXXX. Then she did a XXXX dollar transfer that they wont tell me what its for they say they cant tell me anything because i'm the victim of theft but they call continuously and threating that i need to make a payment or they will start legal proceedings. I have told them that i refuse to pay on or for an account that i never opened or used. But because of one payment she made on it with a checking account we shared so they say i'm responsible. What i would like is to have the calls stop and for them to go after the responsible party. The reason i found out about the account was that my ex wife had changed all her contact info for this card from her info to mine. When they called i told them i knew nothing about it and we have going back and forth over this i've given them her info and they still call and threating me","date_sent_to_company":"2020-12-26T20:15:31.000Z","issue":"Attempts to collect debt not owed","sub_product":"Credit card debt","zip_code":"986XX","tags":null,"has_narrative":true,"complaint_id":"4032083","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2020-12-26T18:52:34.000Z","state":"WA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Debt was result of identity theft"},"highlight":{"complaint_what_happened":["But i have been talking with an agent named XXXX in <em>security</em> services he has said that there has been a lot of bad behaviour on this account i've asked for the signatures on the account and he tells me that he can not <em>provide</em> them to me. This account was opened nine months before i moved to the state of oregon. At the time my address was in XXXX  Id."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[14.050144,"4032083"]},{"_index":"complaint-public-v1","_id":"12109069","_score":13.700136,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"On my credit report, it shows that on XX/XX/XXXX a fraudulent account was opened with Bank of America using my information. The account is not mine! According to XXXX, the account currently has a balance of {$2300.00}. Furthermore, the account is in delinquent status because the account is past due over 60 days. The account is reflecting negatively against my credit score. On XX/XX/XXXX at XXXX XXXX  PST, I contacted Bank of America and they informed me that according to their records, there is no account with my social security number nor with my name. I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and they said one could not be provided according to their policy since there is no account in my name. After doing some research on what steps to take in a situation like this, on XXXX XXXX, XXXX, I disputed the fraudulent account with XXXX. XXXX did not remove the fraudulent account from my credit report. I then contacted Bank of America again on XX/XX/XXXX at XXXX PST in attempts to resolve this issue again. Bank of America once again informed me that according to their records, there is no account with my social security number nor with my name. Again, I requested a letter stating there is no account belonging to me as listed on my XXXX credit report and again they said they could not provide one according to their policy since there is no account in my name. I was advised to visit a local branch to see if the branch could provide a letter stating that there was no account in my name. On XX/XX/XXXX, my wife and I, arrived at a local Bank of America branch at XXXX PST to request the above mentioned letter. However, again, we were told that they could not provide a letter according to their policy since there is no account in my name.","date_sent_to_company":"2025-02-24T21:36:06.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"90731","tags":"Servicemember","has_narrative":true,"complaint_id":"12109069","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-17T16:01:17.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, my <em>wife</em> and I, arrived at a local Bank of America branch at XXXX PST to request the above mentioned letter. However, again, we were told that they could not <em>provide</em> a letter according to their policy since there is no account in my name."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.700136,"12109069"]},{"_index":"complaint-public-v1","_id":"4167111","_score":13.591217,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"Transunion stated that there is an unauthorized third party in my last complaint and that they needed authorization, Transunion be advised that this account that I have with CFPB is my account that me and my wife XXXX XXXX use together, in my complaint I uploaded a copy of my drivers license and a copy of my social security card, therefore I really don't understand why you said authorization is needed, this is XXXX XXXX and this is mines and my wife XXXX XXXX 's account! You are authorized! Now let 's try this again, PLEASE RESPOND TO MY COMPLAINT BELOW! \n\nTransunion has Violated the FCRA by not properly verifying to me how they obtained the Bankruptcy information on my Credit Report. Transunion sent me a response letter indicating that the Bankruptcy was Verified as Accurate, In the letter, they listed the Court name address and phone number, which indicates they XXXX be trying to say that they have confirmed through them that the Bankruptcy is Accurate. The FCRA under XXXX and XXXX XXXX says, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of the furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The FCRA requires the XXXX XXXX Agencies to follow reasonable procedure to assure maximum possible accuracy of the information they report to a consumers Credit Report. The only problem with Transunion XXXX XXXX is, I sent the Court a letter asking if they provide Consumer Bankruptcy information to third parties, such as Credit Bureaus, XXXX XXXX, and the Court sent me a returned letter confirming that THEY DO NOT PROVIDE Bankruptcy information to any third parties, such as Credit Reporting Agencies, therefore, this Bankruptcy is INACCURATE and UNVERIFIABLE and must be deleted! If Transunion says that they did not say they obtained the information from the Courts, they are still in XXXX, because they failed to give me the name, address and phone number of their Furnisher in compliance with the FCRA. All Documents uploaded and attached for proof and verification.","date_sent_to_company":"2021-02-26T09:08:28.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"720XX","tags":"Servicemember","has_narrative":true,"complaint_id":"4167111","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2021-02-26T03:44:24.000Z","state":"AR","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Transunion stated that there is an unauthorized third party in my last complaint and that they needed authorization, Transunion be advised that this account that I have with CFPB is my account that me and my <em>wife</em> XXXX XXXX use together, in my complaint I uploaded a copy of my drivers license and a copy of my social <em>security</em> card, therefore I really don't understand why you said authorization is needed, this is XXXX XXXX and this is <em>mines</em> and my <em>wife</em> XXXX XXXX 's account! You are authorized!"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.591217,"4167111"]},{"_index":"complaint-public-v1","_id":"2092884","_score":13.081356,"_source":{"product":"Credit reporting","complaint_what_happened":"We sent Experian a letter on or about XXXX/XXXX/16, in which we uploaded via their upload feature. There was also a letter that was sent prior to this, and several calls made to Experian to advise them that there are several addresses ( XXXX addresses from Rhode Island ) on my credit report that I have never lived at, a social security number that does n't belong to me at as well as an account that I have never had. My wife spoke with a representative on XXXX XXXX, 2016 and advised the representative in XXXX XXXX of that, I was advised that social security number that ended in XXXX would be removed and they would remove the addresses that were n't mine, which all were address in Rhode Island. She was also transferred to the Fraud Department where she advised them that we NEVER lived in Rhode Island and did n't have any accounts that were initiated in Rhode Island. She was advised that the inaccurate social security number, and bogus addresses would be deleted. They also added a Fraud Alert to my file for all intents and purposes and had my wife to provide my contact phone for the purpose of adding it to the Fraud Alert. My wife pulled up the credit report today and to our surprise, only XXXX of the XXXX Rhode Island addresses were removed and the inaccurate Social Security number was still remaining. She contacted Experian and spoke with a representative and asked why the additional address was n't remove nor the inaccurate social security number. Once she was n't able to get a satisfactory answer, the representative transferred her to XXXX in the Special Handlings Group, XXXX, who stated they are refusing to pull the additional Rhode Island address off the credit report, because it is associated with an account that we are disputing. I asked them if they are willingly violating the FCRA. She stated they ca n't remove it due to being associated with an account. \nI advised her that if the account is not ours, then they must remove all information associated with that address. I asked her to send me all documentation relating to the account they are reporting, she refused. \nI asked her to speak with a manager, she placed me on hold for about 10 minutes and stated no one was available. Once I persisted, she seemed to get someone on the phone pretty quickly. I was transferred to XXXX. \nSpoke with XXXX with XXXX XXXX, who stated they are unable to remove the address, stated they have processes in place that have to be followed. I advised him that we have rights as consumers to dispute any information that is not accurate, and that they are willfully violating the law. I advised him that I would be filing a complaint with the Consumer Financial Protection Bureau. According to XXXX, he stated they ca n't remove the account due to it being associated with an account that is in dispute. He stated he had to wait until the account was deemed fraud by XXXX XXXX ( the original creditor that is reporting the Rhode Island address ) in order to remove the address. When I asked him why they had n't deleted the SS #, he stated he did n't see that it was done on XXXX/XXXX/16. He refused to give me the information for their legal team. Stated he would remove the SS #. \n\nI am demanding complete removal of the social security # ending with XXXX, and the address of XXXX XXXX XXXX # XXXX XXXX XXXX RI XXXX and compliance with the Fair Credit Reporting Act.","date_sent_to_company":"2016-09-01T17:58:24.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"29073","tags":null,"has_narrative":true,"complaint_id":"2092884","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2016-09-01T17:58:23.000Z","state":"SC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Personal information"},"highlight":{"complaint_what_happened":["She was advised that the inaccurate social <em>security</em> number, and bogus addresses would be deleted. They also added a Fraud Alert to my file for all intents and purposes and had my <em>wife</em> to <em>provide</em> my contact phone for the purpose of adding it to the Fraud Alert. My <em>wife</em> pulled up the credit report today and to our surprise, only XXXX of the XXXX Rhode Island addresses were removed and the inaccurate Social <em>Security</em> number was still remaining."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[13.081356,"2092884"]},{"_index":"complaint-public-v1","_id":"1830097","_score":12.723527,"_source":{"product":"Mortgage","complaint_what_happened":"Loan Servicer ( Green Tree, Ditech ) ruining my credit, deformation of character, false statements, lack of ability to provide documents, lack of proof of payments made, and poor and rude customer service. \nOriginal Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The \" NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent, represent nothing, and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is, the ability to provide proof if paid in full of turning ownership over, no grounds for collecting this debt, failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt, writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company, mortgagee note holder, and the bank that is certifying the asset backed notes.","date_sent_to_company":"2016-03-17T18:47:13.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"Conventional adjustable mortgage (ARM)","zip_code":"99336","tags":null,"has_narrative":true,"complaint_id":"1830097","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2016-03-14T18:13:05.000Z","state":"WA","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":null},"highlight":{"complaint_what_happened":["It says I signed it the same day of my <em>Securities</em> Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like <em>mine</em> as it never touched <em>mine</em> touches 99 % of the time in the middle."]},"sort":[12.723527,"1830097"]},{"_index":"complaint-public-v1","_id":"2653984","_score":12.02372,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am requesting debt validation for a {$41000.00} charge off that is currently reported by XXXX to my credit report ( Experian, XXXX and XXXX ) and associated with my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that XXXX immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). XXXX is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my XXXX/Experian/XXXX credit reports. I have disputed this address numerous times with XXXX directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with XXXX, Experian and XXXX but have failed to prevent XXXX from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error. \n\nXXXX has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the 1st and 2nd mortgage to my property XXXX XXXX XXXX Place, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX Decision XXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted 2nd mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by XXXX ( formerly Green Tree ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide XXXX any documentation of the removal following the sale to XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the 2nd mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted 2nd mortgage to XXXX on XXXX/XXXX/XXXX. XXXX began reporting to the credit bureaus against XXXX and I both in XXXX. \n\nXXXX XXXX is not on the title and 1st mortgage of XXXX XXXX XXXX Place. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX Place and failed to pay the 2nd mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the 2nd mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my 2nd mortgage to XXXX until XXXX sent its first notice in XXXX to a MA address I was renting at. \n\nXXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by XXXX. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX Pl. The agent proceeded to say that I was given \" plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( XXXX or XXXX form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the XXXX mortgage serviced by XXXX. The agent stated that XXXX is the owner of the defaulted 2nd mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX \" Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXX Place, XXXX XXXX, Colorado XXXX ). The agent stated that XXXX purchased the loan and would have all the documents necessary to correct the credit reporting that XXXX is providing to Transunion/Equifax/Experian against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with XXXX as they would have all the documents to make my dispute. \n\nHSBCs negligence has caused irreversible damage to my credit report in their failure to provide XXXX with the appropriate documentation necessary for accurate credit reporting. As of XXXX XXXX, XXXX stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. XXXX is unable to provide me with the documentation that would support XXXXs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX. \n\nXXXX inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.","date_sent_to_company":"2017-08-30T04:39:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"2653984","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2017-08-30T00:39:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Mail is being incorrectly forwarded to an address containing my social <em>security</em> number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from <em>mine</em> and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[12.02372,"2653984"]},{"_index":"complaint-public-v1","_id":"2653980","_score":11.9941025,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am requesting debt validation for a {$41000.00} charge off that is currently reported by Ditech to my credit report ( XXXX, XXXX and XXXX ) and associated with my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that Ditech immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). Ditech is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my XXXX/XXXX/XXXX credit reports. I have disputed this address numerous times with Ditech directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with XXXX, XXXX and XXXX but have failed to prevent Ditech from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error. \n\nDitech has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the 1st and 2nd mortgage to my property XXXX XXXX XXXX Place, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX XXXX XXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted 2nd mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by Ditech ( formerly Green Tree ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide Ditech any documentation of the removal following the sale to Ditech on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the 2nd mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted 2nd mortgage to Ditech on XXXX/XXXX/XXXX. Ditech began reporting to the credit bureaus against XXXX and I both in XXXX. \n\nXXXX XXXX is not on the title and 1st mortgage of XXXX XXXX XXXX XXXX. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX XXXX  and failed to pay the 2nd mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the 2nd mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my 2nd mortgage to Ditech until Ditech sent its first notice in XXXX to a MA   address I was renting at. \n\nXXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by Ditech. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX XXXX. The agent proceeded to say that I was given \" plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( 1099 or 1098 form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the 2nd mortgage serviced by Ditech. The agent stated that Ditech is the owner of the defaulted 2nd mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX \" Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXX XXXX, XXXX XXXX, Colorado XXXX ). The agent stated that Ditech purchased the loan and would have all the documents necessary to correct the credit reporting that Ditech is providing to XXXX/XXXX/XXXX against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with Ditech as they would have all the documents to make my dispute. \n\nXXXXs negligence has caused irreversible damage to my credit report in their failure to provide Ditech with the appropriate documentation necessary for accurate credit reporting. As of XXXX XXXX, Ditech stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. Ditech is unable to provide me with the documentation that would support XXXXs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX. \n\nDitechs inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that Ditech remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.","date_sent_to_company":"2017-08-30T04:39:34.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"2653980","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2017-08-30T00:18:36.000Z","state":"CA","company_public_response":"Company believes the complaint is the result of a misunderstanding","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Mail is being incorrectly forwarded to an address containing my social <em>security</em> number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that Ditech remove the debt from <em>mine</em> and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address."]},"sort":[11.9941025,"2653980"]},{"_index":"complaint-public-v1","_id":"2653982","_score":11.975615,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am requesting debt validation for a {$41000.00} charge off that is currently reported by XXXX to my credit report ( XXXX, Transunion and XXXX ) and associated with my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that XXXX immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). XXXX is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my Transunion/XXXX/XXXX credit reports. I have disputed this address numerous times with XXXX directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with Transunion, XXXX and XXXX but have failed to prevent XXXX from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error. \n\nXXXX has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the XXXX and XXXX mortgage to my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX XXXX XXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted XXXX mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by XXXX ( formerly XXXX XXXX ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide XXXX any documentation of the removal following the sale to XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the XXXX mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted XXXX mortgage to XXXX on XXXX/XXXX/XXXX. XXXX began reporting to the credit bureaus against XXXX and I both in XXXX. \n\nXXXX XXXX is not on the title and XXXX mortgage of XXXX XXXX XXXX Place. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX XXXX and failed to pay the XXXX mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the XXXX mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my XXXX mortgage to XXXX until XXXX sent its first notice in XXXX to a MA address I was renting at. \n\nXXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by XXXX. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX XXXX. The agent proceeded to say that I was given \" plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( XXXX or XXXX form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the XXXX mortgage serviced by XXXX. The agent stated that XXXX is the owner of the defaulted XXXX mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX \" Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXX Place, XXXX XXXX, Colorado XXXX ). The agent stated that XXXX purchased the loan and would have all the documents necessary to correct the credit reporting that XXXX is providing to Transunion/XXXX/XXXX against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with XXXX as they would have all the documents to make my dispute. \n\nXXXXs negligence has caused irreversible damage to my credit report in their failure to provide XXXX with the appropriate documentation necessary for accurate credit reporting. As of XX/XX/XXXX, XXXX stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. XXXX is unable to provide me with the documentation that would support XXXXs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX. \n\nXXXX inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.","date_sent_to_company":"2017-08-30T04:39:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"2653982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2017-08-30T00:39:36.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Mail is being incorrectly forwarded to an address containing my social <em>security</em> number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from <em>mine</em> and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address."],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.975615,"2653982"]},{"_index":"complaint-public-v1","_id":"2653983","_score":11.974205,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I am requesting debt validation for a {$41000.00} charge off that is currently reported by XXXX to my credit report ( XXXX  XXXX and Equifax XXXX and associated with my property XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CO XXXX. I am also requesting that XXXX immediately discontinue attempts to update my credit report with the incorrect address XXXX XXXX XXXX, XXXX XXXX, CO XXXX and remove my ex-wife, XXXX XXXX, as a joint owner of this debt ( account XXXX ). XXXX is incorrectly reporting my ex-wife, XXXX XXXX, as a joint owner on this debt which is causing her information to erroneously appear on my XXXXEquifax credit reports. I have disputed this address numerous times with XXXX directly due to an identity theft case that has been reported and filed with the XXXX of XXXX, CA police ( attached ). I have also disputed this with XXXX XXXX and Equifax but have failed to prevent XXXX from continuing to report the XXXX address, causing mail with personally identifying information ( Social Security Number ) to be directed to this address in error. \n\nXXXX has stated that they are the current owner of the {$41000.00} debt for account XXXX, purchased from XXXX XXXX XXXX XXXX/XXXX/XXXX. XXXX XXXX XXXX is the former lien holder/mortgage servicer of the 1st and 2nd mortgage to my property XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX and is the only lien holder on record for this property. XXXX XXXX XXXXXXXX is a defunct unit of XXXX that forced many subprime loans to go into default, including the defaulted 2nd mortgage in question that has been purchased and reported to the ( 3 ) Credit Reporting Bureaus by XXXX XXXX formerly XXXX XXXX ). XXXX successfully removed my ex-wife XXXX XXXX from her financial and legal obligation to repay either loan but failed to provide XXXX any documentation of the removal following the sale to XXXX on XXXX/XXXX/XXXX. XXXX XXXX XXXX has never reported the 2nd mortgage to my credit report nor my ex-wife 's credit report until the sale of the defaulted 2nd mortgage to XXXX on XXXX/XXXX/XXXX. XXXX began reporting to the credit bureaus against XXXX and I both in XXXX. \n\nXXXX XXXX is not on the title and 1st mortgage of XXXX XXXX XXXX XXXX. In fact, we have been divorced since XXXX and have not lived in the property together since XXXX. The reason the home went into default was because my ex-wife 's parents had a lease-to-own contract for XXXX XXXX XXXX XXXX and failed to pay the 2nd mortgage with XXXX per agreement. The contracted ended and I moved back into the property in XXXX XXXX. XXXX refused to let me do a loan modification and hardship to cure the deficiency on the 2nd mortgage as they stated I needed to be in default prior to approval of the loan modification. My last payment with XXXX was XXXX XXXX when I applied for the loan modification. I called to find out my status, which was declined, but never received anything in writing stating my ability to appeal the rejection within 30 days. I contacted XXXX numerous times to have the letters resent as they were never received as XXXX confirmed over the phone. The loan was forced into default.I never received any letters of acceleration, missed payment, or default from XXXX. I never received anything in the mail regarding the sale of my 2nd mortgage to XXXX until XXXX sent its first notice in XXXX to a MA address I was renting at. \n\nXXXX 's mortgage center in XXXX, FL was contacted on XXXX XXXX and XXXX XXXX XXXX regarding the loan serviced by XXXX. On XXXX XXXX, an agent for XXXX stated that notification letters regarding the rejected loan modification application, default and accelerated payment due to the default were mailed to XXXX XXXX XXXX XXXX. The agent proceeded to say that I was given \" plenty of opportunity to work with XXXX on curing the deficiency '' because I had been granted a loan modification which allowed me to do so. This is false because a loan modification would require that I receive the necessary tax documents ( 1099 or 1098 form ) to file with the IRS for the XXXX tax year. On XXXX XXXX, the next agent I spoke with at XXXX regarding the loan could not see the loan modification documents or any documents related to the 2nd mortgage serviced by XXXX. The agent stated that XXXX is the owner of the defaulted 2nd mortgage purchased on XXXX/XXXX/XXXX, and that the letters I never received from XXXX regarding the default, declined loan modification, and acceleration were sent back to XXXX \" Return to sender : not deliverable '' despite the address being correct ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Colorado XXXX ). The agent stated that XXXX purchased the loan and would have all the documents necessary to correct the credit reporting that XXXX is providing to XXXXXXXXEquifaxXXXX  against my credit report as well as my ex-wifes, XXXX XXXX. She recommended I follow up with XXXX as they would have all the documents to make my dispute. \n\nHSBCs negligence has caused irreversible damage to my credit report in their failure to provide XXXX with the appropriate documentation necessary for accurate credit reporting. As of XXXX XXXX, XXXX stated the only documentation they possess regarding XXXX is a loan application with my ex-wife XXXX XXXX name on it. A loan application is not enough to prove valid ownership of a loan. XXXX is unable to provide me with the documentation that would support HSBCs claims and provide me a resolution to correct the credit reporting against myself and my ex-wife XXXX XXXX. \n\nDitechs inability to validate the debt due to lack of documentation destroys the property value of my home as XXXX can not remove a lien on a property that XXXX does not own. I can not sell or refinance my property as this issue clouds the clear title I would have to guarantee a new mortgagor or buyer of the property. Mail is being incorrectly forwarded to an address containing my social security number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from mine and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address.","date_sent_to_company":"2017-08-30T04:39:38.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"92054","tags":null,"has_narrative":true,"complaint_id":"2653983","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2017-08-30T00:39:36.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Mail is being incorrectly forwarded to an address containing my social <em>security</em> number, which further compromises my financial integrity as a victim of identity theft. \n\nI demand that XXXX remove the debt from <em>mine</em> and XXXX XXXX credit reports entirely or remove XXXX so that my identity is no longer compromised by reporting the incorrect address."]},"sort":[11.974205,"2653983"]},{"_index":"complaint-public-v1","_id":"2200514","_score":11.922478,"_source":{"product":"Credit reporting","complaint_what_happened":"My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my wife, but it lowered our credit score. \nChecking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to provide info to the insurance company and said any corrections would have to come from Equifax. The report has indicated that along with my personal credit record, they include an entry for one XXXX XXXX XXXX, XXXX with a SS # that is almost identical to mine except for XXXX ( XXXX ) digit, XXXX instead of XXXX AND XXXX XXXX is now deceased. The record shows my address I have had for 24 years and his former address was in Florida but they added my address instead. I tried to resolve this with Equifax twice and each time I was directed to request a copy of my credit report from them again and submit more copies but each request got only another form letter asking for more information to be submitted. The last request I sent ( third time ) I included copies of my birth cert., social security card, XXXX copy, drivers license, XXXX utility bills with my address ( even after my supposed death ), and still got the infamous form letter for more of the same information to be submitted. I feel this is a clerical error on someone 's part adding the incorrect information to my file.","date_sent_to_company":"2016-11-08T12:24:10.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"488XX","tags":"Older American","has_narrative":true,"complaint_id":"2200514","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-11-08T12:24:09.000Z","state":"MI","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["My Insurance Company, XXXX XXXX, increased our auto policy due to no credit rating for me but did have credit rating for my <em>wife</em>, but it lowered our credit score. \nChecking with XXXX XXXX ( contract firm who collects credit data for ins. co. ) they supplied me with a listing of the information they received from Equifax, the credit reporting company they use to <em>provide</em> info to the insurance company and said any corrections would have to come from Equifax."],"sub_issue":["Information is not <em>mine</em>"]},"sort":[11.922478,"2200514"]},{"_index":"complaint-public-v1","_id":"1839050","_score":11.907063,"_source":{"product":"Credit reporting","complaint_what_happened":"In XXXX XXXX, I was notified by XXXX that they were canceling my long-term credit relationship because of information contained in my credit bureau file. After having a long history of good credit, this concerned me enough to have my credit report pulled by all three agencies. XXXX was the only bureau that was accurate. Equifax and XXXX both recently reported a collection item from XXXX XXXX XXXX ( creditor was XXXX XXXX ). Since I have never had an account with XXXX, I tried to get resolve it via phone conversations. I was bounced between the Collection agency and the creditor with no resolution. I then wrote letters to both credit bureaus via Certified Letter. I got a letter back from Equifax ( Confirmation # XXXX ) saying, \" We have verified that this item belongs to you. '' I was finally connected by XXXX XXXX XXXX, Executive Customer Relations, XXXX, Northeast Division. XXXX XXXX asked for my social security number and agreed it did not match the account. However, he said he \" reached out to my identify theft department ; while our skip tracing does place you at the account, this may be a case of identify theft. '' Apparently the cable account was established at an address I had previously lived at with my ex-wife XX/XX/XXXX and XX/XX/XXXX. I moved out in XX/XX/XXXX and moved to XXXX XXXX XXXX, XXXX ( later changed to XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX system ). I strongly believe the XXXX credit bureaus started blending my file at that point because the XXXX XXXX address plus new addresses I have never established nor lived at started appearing on my credit reports. FACTS : 1 ) I have NEVER had an account with XXXX ... at any location! 2 ) I have not lived at XXXX XXXX XXXX, XXXX since XX/XX/XXXX and this account was apparently established way after that time period. XXXX ) I have never established nor lived at any address in XXXX after XX/XX/XXXX other than XXXX XXXX XXXX, XXXX. From there, in XX/XX/XXXX, I moved with my wife to XXXX, XXXX. In the meantime, XXXX, doing their due diligence, did another investigation and finally recently deleted that collection item from their report. I encourage you to contact them to see what their decision was base on so that this issue can be resolved without proceeding to my next step ( contacting my Congressional Representative and Legal Counsel. ) After months of back and forth discussions/letters between me, the collection agency, the creditor and Equifax , I have NO idea how they can legally tie this account to me when I did not live at the address the account was established under, the social security number established with this account is not mine. They gave me no information on what they believes ties me to this account. I can, however, provide proof to a lawyer, if need be, that this account IS NOT MINE.","date_sent_to_company":"2016-03-18T19:22:35.000Z","issue":"Incorrect information on credit report","sub_product":null,"zip_code":"344XX","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"1839050","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2016-03-18T19:22:35.000Z","state":"FL","company_public_response":null,"sub_issue":"Information is not mine"},"highlight":{"complaint_what_happened":["I can, however, <em>provide</em> proof to a lawyer, if need be, that this account IS NOT <em>MINE</em>."],"sub_issue":["Information is not <em>mine</em>"]},"sort":[11.907063,"1839050"]},{"_index":"complaint-public-v1","_id":"3799566","_score":11.828795,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"My name is XXXX XXXX and over the two years, my information and identity has been compromised including unauthorized transactions/activity on my Bank of America accounts. This has caused Bank of America to freeze all of the money I had during a National pandemic restricting all access to funds. With my accounts being compromised I was not able to make payments to any of my bills as I was not able to open another account when all of my funds were in all of my accounts with Bank Of America. Bank of America has reported to credit agencies which has severely impacted my credit and score and ability to open another bank account. Since this has happened, other personal information has been used of mine for government benefits and attempted business loans. I was instructed by XXXX  and FTC to report what I can in efforts to repair damages done by Identify Theft. Please let me know what additional information is needed to repair damages and repair credit as all of this has caused a lot of financial stress,  inability to open another bank account, increased XXXX, restricting funds to provide for our family and limitations on what I am able to do now that my social security number and all personal information has been compromised. \nMy Son also had his paychecks from XXXX going into his account and the money that was in the account ending in XXXX was all used to pay back unauthorized transactions from government benefit deposits that I did not initiate of make use of. Prior to this he had a balance of XXXX. Now he also had to start over as is money are parts of our savings were used to pay back funds we did not authorize in or out. Out of mine and my wifes savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information","date_sent_to_company":"2020-08-17T17:03:03.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85382","tags":null,"has_narrative":true,"complaint_id":"3799566","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2020-08-17T16:54:09.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Out of <em>mine</em> and my <em>wifes</em> savings XXXX was not recovered Our bank account had been compromised Bank of America has treated us like criminals and very rude to us since all of this has happened. At no point helping us or providing any helpful information"],"company_public_response":["Company has responded to the consumer and the CFPB and chooses not to <em>provide</em> a public response"]},"sort":[11.828795,"3799566"]},{"_index":"complaint-public-v1","_id":"6859274","_score":11.799432,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It appears as though someone, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX who used duress to obtain my social security number, one of their friends, an unknown person, or Gurstal Law Firm has violated the Truth in Lending Act, copied the information in a XXXX  XXXX account that I stopped using around XXXX, XXXX after becoming aware of my credit cards being compromised and XXXX  XXXX refusing to fix the issues on my card. It looks as though they copied and pasted information from the original account into this account either by using the data on personal information in the first account into the second account and/or used publicly available information and/or trash to create this account, created fake purchases, or something to make it look like it was me. Multiple times I have asked for them to provide me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, Gurstal Law Firm is trying to sue for a debt is not mine, I have submitted to them everything that shows the account is not mine, yet they have failed to drop this case. On the last meeting with Gurstal Law Firm, the guy went on a fishing exhibition to try and say well then this is true so the debt must be yours, but this is not proof as to who made the purchases. All what I am looking for is proof as to who made the purchases since I know it was not me. IP addresses, delivery addresses of packages, etc. is not enough alone as to who made the purchases since any network can be hacked into and a criminal could have a package delivered to any address where they keep track of the package by cloning an email address. My wife believes they used publicly available information including through the credit reports in order to create fake credit card statements through a randomization software program and random payments from businesses in the XXXX XXXX area in order to create this fake account. Then they forged call logs, etc. just to try and convince a vulnerable adult, which I fall into due to my hearing loss, into paying something that they do not owe. My wife has no interest in this matter and is beyond her skill set but she says one way to do something like this is via an automation technique and that is to use a random number generator type program to select an individual to create a fake account. From there, use XXXX XXXX and scripts to scan that individual and their relative 's social media accounts and other publicly available information into finding out a person 's habits than have the software to autogenerate credit card statements including back dating the purchases as a part of the program to create these false accounts. ( My wife says there is massive amounts of digital data that with the correct AI software or the correct script, the information can be collected, and that this technology is improving all the time with an example being the self-driving technology. ) The question that I do not know is to who did this. What does not make sense to me are payments of XXXX, XXXX, and XXXX by someone earning minimum wage. Also, there has to be a paper trail of signatures in order to back the purchases, otherwise, how could XXXX XXXX pass an audit to ensure that they are billing their customers correctly. My wife says that for most industries, a paper trail of records has to be kept between for 5 - 10 years, including her job in case of an audit. I am looking for this XXXX XXXX that answers who. \n\nDates where proof of purchase and who opened the account was requested : XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held","date_sent_to_company":"2023-04-19T08:25:21.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"6859274","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Gurstel Law Firm, P.C.","date_received":"2023-04-19T08:25:18.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Multiple times I have asked for them to <em>provide</em> me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, Gurstal Law Firm is trying to sue for a debt is not <em>mine</em>, I have submitted to them everything that shows the account is not <em>mine</em>, yet they have failed to drop this case."]},"sort":[11.799432,"6859274"]},{"_index":"complaint-public-v1","_id":"6859687","_score":11.777812,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"It appears as though someone, Capital One, XXXX XXXX, XXXX XXXX, XXXX XXXX who used duress to obtain my social security number, one of their friends, an unknown person, or Gurstal Law Firm has violated the Truth in Lending Act, copied the information in a Capital One account that I stopped using around XXXX, XXXX after becoming aware of my credit cards being compromised and Capital One refusing to fix the issues on my card. It looks as though they copied and pasted information from the original account into this account either by using the data on personal information in the first account into the second account and/or used publicly available information and/or trash to create this account, created fake purchases, or something to make it look like it was me. Multiple times I have asked for them to provide me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, XXXX XXXX XXXX is trying to sue for a debt is not mine, I have submitted to them everything that shows the account is not mine, yet they have failed to drop this case. On the last meeting with XXXX XXXX XXXX, the guy went on a fishing exhibition to try and say well then this is true so the debt must be yours, but this is not proof as to who made the purchases. All what I am looking for is proof as to who made the purchases since I know it was not me. IP addresses, delivery addresses of packages, etc. is not enough alone as to who made the purchases since any network can be hacked into and a criminal could have a package delivered to any address where they keep track of the package by cloning an email address. My wife believes they used publicly available information including through the credit reports in order to create fake credit card statements through a randomization software program and random payments from businesses in the XXXX XXXX area in order to create this fake account. Then they forged call logs, etc. just to try and convince a vulnerable adult, which I fall into due to my hearing loss, into paying something that they do not owe. My wife has no interest in this matter and is beyond her skill set but she says one way to do something like this is via an automation technique and that is to use a random number generator type program to select an individual to create a fake account. From there, use Artificial Intelligence and scripts to scan that individual and their relative 's social media accounts and other publicly available information into finding out a person 's habits than have the software to autogenerate credit card statements including back dating the purchases as a part of the program to create these false accounts. ( My wife says there is massive amounts of digital data that with the correct AI software or the correct script, the information can be collected, and that this technology is improving all the time with an example being the self-driving technology. ) The question that I do not know is to who did this. What does not make sense to me are payments of XXXX, XXXX, and XXXX by someone earning minimum wage. Also, there has to be a paper trail of signatures in order to back the purchases, otherwise, how could Capital One pass an audit to ensure that they are billing their customers correctly. My wife says that for most industries, a paper trail of records has to be kept between for 5 - 10 years, including her job in case of an audit. I am looking for this paper trail that answers who. \n\nDates where proof of purchase and who opened the account was requested : XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held XX/XX/XXXX XXXX Pre-Trial Conference Held","date_sent_to_company":"2023-04-19T08:25:10.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"85041","tags":null,"has_narrative":true,"complaint_id":"6859687","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-04-19T07:41:53.000Z","state":"AZ","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Multiple times I have asked for them to <em>provide</em> me with signatures to prove as to who made the purchases and opened the account, but they have failed to do this. However, they have failed to do this. Now, XXXX XXXX XXXX is trying to sue for a debt is not <em>mine</em>, I have submitted to them everything that shows the account is not <em>mine</em>, yet they have failed to drop this case."]},"sort":[11.777812,"6859687"]},{"_index":"complaint-public-v1","_id":"9212949","_score":11.725734,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"I have been in prison since XXXX and was released XXXX. I have had a problem with on going identity theft since opening and account with XXXX and XXXX XXXX. In XXXX of XXXX, someone found my wallet at XXXX and kept it. Started using my id and social and I canceled my XXXX XXXX XXXX immediately. I never applied for cash advances, I did pay off a car. XXXX said all of the transactions were done online. All payments were reversed into another account so all the money I paid on the car went somewhere else due to XXXX selling my information once completed payments and received checks for warranty over payment. They paid me because I paid too much then repossessed my car from my wife at work. Saying I was late? One minute the pink slip is on the way the next they tell me that I called to cancel payments and send it back to account number they were given. \nXXXX I have no idea about and when I went to the originating location of where account had activity they could not provide security footage or have a file on hand to show if an id was used. They said account was created online. I have submitted proof of incarceration, during dispute with credit companies, items being disputed are not on freeze but still show. I have XXXX plus inquiries I did not make or authorized to be made. I have a flag in check systems that I have nothing to do with due to the fact that I dont cash personal checks. I never had an XXXX $ payment to anyone and that was just added recently by way of fraud because XXXX XXXX XXXX was closed in XXXX so how could I have done anything with them? I was on my wifes account and our information was taken when my wallet was lost. \nPlease help me to fix what going on. There are phone numbers on my credit report that are not mine and never were and thats the only evidence left of identity theft by way of those numbers because its still going on. One is still active and I only have one number. XXXX","date_sent_to_company":"2024-06-13T14:00:04.000Z","issue":"Incorrect information on your report","sub_product":"Loan","zip_code":"94534","tags":null,"has_narrative":true,"complaint_id":"9212949","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TOYOTA MOTOR CREDIT CORPORATION","date_received":"2024-06-09T18:14:47.000Z","state":"CA","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["They paid me because I paid too much then repossessed my car from my <em>wife</em> at work. Saying I was late? One minute the pink slip is on the way the next they tell me that I called to cancel payments and send it back to account number they were given. \nXXXX I have no idea about and when I went to the originating location of where account had activity they could not <em>provide</em> <em>security</em> footage or have a file on hand to show if an id was used. They said account was created online."]},"sort":[11.725734,"9212949"]},{"_index":"complaint-public-v1","_id":"7566681","_score":11.501084,"_source":{"product":"Credit card","complaint_what_happened":"This regards my wife and I 's Capital One Travel Card and Capital One 's refusal to XXXX ) honor a travel credit and XXXX ) refund my wife and I for flights that we were refused service on. This concerns capital one case number : XXXX This concerns a disputed transaction in the amount of {$5400.00}. XXXX travel miles were used to fund this purchase, in addition to {$4300.00}. We expect a full refund of travel miles and monetary amounts, for reasons explained below. \n\nThe disputed {$5400.00} transaction consists of XXXX flights : ( XXXX ) outbound from XXXX to XXXX to XXXX to XXXX ; ( XXXX ) XXXX to XXXX to XXXX. The costs were split down the middle for each leg after the application of our Capital One Travel miles. These were first class tickets. In dealing with our complaint, Capital One has ignored that this concerns separate transactions and erroneously focuses on XXXX leg -- a concession that at least half the charge we dispute is improper on its face. \n\nBelow, we first discuss the factual details pertinent to leg XXXX and our entitlement to a refund due to erroneous, and likely fraudulent, representations made by Capital One Travel agents. Second, we discuss leg XXXX ( return to XXXX ), and the factual details relevant to our entitlement to a refund due to the egregious mistreatment detailed therein. \n\nLeg XXXX ( XXXX to XXXX XXXX ) We were scheduled to depart from XXXX on XX/XX/2023, at XXXX XXXX. on XXXX XXXX XXXX XXXX. XXXX XXXXXXXX. Approximately XXXX hours before our scheduled departure time on XX/XX/XXXX, we called Capital One Travel for assistance rescheduling our flight to the following day as we were unable to get to the airport due to emergency circumstances out of our control. We reached a Capital One agent, who told us that we were well within the time frame for us to reschedule the trip and that there would be ( XXXX ) no issue refunding the full cost for leg XXXX ( including travel credit ) used to purchase the tickets and ( XXXX ) applying the equivalent amount ( i.e., half of {$5400.00} ) toward booking another flight the following day to the same destination. However, the Capital One Travel agent stated that to effectuate the refund and apply the credit to book a new flight, we would first have to call XXXX XXXX to cancel our flight directly. We followed Capital One Travels instruction to do so and called XXXX XXXX to cancel our flight, which they did. \n\nWhen we called Capital One Travel back to utilize our refunded travel credits and rebook our flight, the new agent that we spoke with indicated that he was unable to refund the travel credit and rebook with the credit because the flight was cancelled by XXXX XXXX. This was contradictory to the instructions explicitly provided by the prior Capital One Travel agent. Under no circumstances would we have canceled our flight with XXXX XXXX if we knew the Capital One agent was going to refuse to provide us a refundwe did so, to our detriment, based explicitly on the promises and representations made by Capital One Travel and its agents. \n\nAt this point, Capital One Travel refused to utilize our promised travel credit to rebook the flight through Capital One Travel. The Capital One Travel agent further told us that he was unable to book the flight at all and stated we would have to work directly with XXXX XXXX. We did so, at a significantly increased costall based on representations by Capital One Travel. \n\nIn effect, we were defrauded out of the right to refund and use travel credits through Capital One XXXX and forced to incur additional expenses in booking the flight through XXXX XXXX directly. \n\nCapital One did not refund the cost of the cancelled flight onto our Capital One credit card and it must now do so. \n\nLeg XXXX ( XXXX to XXXX ) In the afternoon of XX/XX/XXXX, my wife, XXXX XXXX, and I arrived at XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX XXXX ) around XXXX XXXX and navigated through customs and security without incident. When our boarding group was called, my wife and I lined up and showed the ticketing agent our boarding passes and passports. The ticketing agent told us both to proceed with boarding by walking across the tarmac approximately XXXXXXXX XXXX to the waiting aircraft. Once at the aircraft steps, my wife once again showed her boarding pass and passport to another XXXX XXXX agent and was informed she needed to step aside and could not board. \n\nWe asked for an explanation as to why my wife was suddenly being prevented from boarding and the XXXX XXXX agent stated that her boarding pass contained a passport number that did not match her passport. This was a lie. As I explained to the agent at the time, my wifes boarding pass did not contain any passport number on it indeed, no boarding pass, including mine, contained any passport information and, even if it did, the XXXX XXXX employee who reviewed the boarding pass made XXXX effort to review my wifes passport, meaning it was impossible for him to determine in the few seconds he looked at my wifes boarding pass that the numbers did not match. \n\nAfter a few minutes of standing on the XXXX tarmac without any explanation as to why we could not board, an XXXX XXXX XXXX XXXX XXXX that she was randomly selected for a secondary screening and that she would need to walk the approximately XXXX XXXX  back to the airport terminal. We were informed that I could not accompany her and that I had no choice but to board the flight without my wife. \n\nThis was extraordinarily bizarre to us as XXXX had already gone through the security screening process and had shown her boarding pass to XXXX XXXX security officials and the gate/ticketing agent without issue and without any indication that further security screening was necessary. Further, we observed that other passengers who had been selected for secondary screening were informed of the screening on the loudspeaker in the airport terminal prior to boarding. We had not received any such notice or announcement. To that end, we asked for an explanation about what type of screening was now suddenly required and why, and none was given. \n\nAt this point, we were both extremely concerned for my wifes safety, given XXXX XXXX refusal to explain why my wife needed to undergo additional screening at this late juncture in the boarding process and the suspicious and erroneous reasons that were being offered. In asking to return to the terminal alongside my wife, I explained to XXXX XXXX that it would make us more comfortable if we could remain together as we were traveling in a foreign country. My wife is a petite framed woman who was now being inexplicably pulled from the plane steps as she was about to depart a foreign country ; our request to remain together, or at least within eyeshot of each other, was entirely within reason. \n\nInstead, XXXX XXXX ignored our requests and demanded, again without reason, that XXXX go with them alone despite already having passed through multiple screening processes without issue. Notably, they did not take my wifes bags with them, undercutting any notion that they were genuinely interested in conducting a legitimate security screening of my wife. She was terrified but complied with their requests and followed the XXXX XXXX employee back to the gate without issue. I did not know where my wife had been taken or when and if she would rejoin me. \n\nAt the now-empty terminal, my wife was told to sit down and shut up by a group of female XXXX XXXX XXXX XXXX The XXXX XXXX agents continued with their wildly inappropriate behavior by throwing my wifes belongings onto the airport floor. When she asked the agents if she would be able to board after the search, as she was now alone in the terminal, the XXXX XXXX agents jeered at her and refused to answer. Meanwhile, I was still seated on the airline and all other passengers had boarded. An XXXX XXXX agent informed me that the flight was leaving and that if I left the flight, I could not reboard. Facing the option of leaving my wife behind in a foreign country, I was forced to exit the plane so I could rejoin my wife and ensure her safety. \n\nI walked the approximately XXXX XXXX back to the empty terminal where I saw my wife, who looked shaken and was surrounded by XXXX to XXXX XXXX XXXX agents. The employees promptly backed up when they saw me enter the terminal and continued to snicker with each other. \n\nI asked for an explanation as to how we could fly home as they had needlessly and arbitrarily prevented us from flying on our purchased flight and the XXXX XXXX agents told us to exit the area and go down to the XXXX XXXX ticketing counter to re-book our flights. \n\nWhen we went downstairs in attempt to do so, the XXXX XXXX agent at the ticketing counter told us she was inexplicably unable to book us another flight. Indeed, they stated they would only be able to rebook us if by giving us a direct call, which we found strange. Nevertheless, we returned to our hotel and waited for the callto this day, no one from XXXX XXXX has reached out. If we did not book another flight, as detailed below, we would effectively be stranded at XXXX XXXX. \n\nAfter returning to our hotel, and realizing XXXX XXXX was going to be unhelpful, we promptly booked return flights home with XXXX XXXX for the following day. \n\nUnfortunately, we were forced to incur significant monetary damages in connection with XXXX XXXX inexplicable and arbitrary failure to permit us to board our purchased flight. These costs include a stay at the XXXX XXXX XXXX XXXX on Friday, XX/XX/XXXX, our main cabin seating flight home via XXXX XXXX, round-trip taxi transportation to and from the airport/hotel, additional meal expenses, and additional long-term parking at XXXX XXXX XXXX XXXX. \n\nWe were so distraught by the bizarre event that we contacted the American embassy to report the incident and filed a police report with the XXXX XXXX police XXXX We also drafted a detailed legal demand letter which we sent to XXXX XXXX XXXX Department via first class mail to ensure delivery. XXXX XXXX did not respond, nor have they refunded the flight to our Capital One credit card on which the flight was purchased. \n\nCapital One Travel can not allow XXXX XXXX to wrongfully keep payment for which no service was rendered. Because the flight was purchased through Capital One Travel, Capital One must refund the value of the flight. \n\nIn sum, we expect that this information is sufficient to establish our right to a full refund of the disputed fee and travel miles. We think Capital One should honor its agents statements to us and issue a full refund for the disputed fee. Thus far, this case is a clear example of Capital One Travel failing to honor their agents explicit promises ( and, thus, the type of corporate fraud and abuse State and Federal agencies are designed to protect against ). \n\nCompany 's Actions to Date To date, we have explained all of this to Capital One, with documentation. Capital One 's latest response stated that they closed the matter because we failed to provide certain information -- this is false. As can be seen from the detailed explanation above, we have provided all information available to us -- Capital One, for its part, refuses to take its blinders off and actually investigate this matter, and instead is clearly trying to just avoid this matter and give us the runaround.","date_sent_to_company":"2023-09-18T23:39:22.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"949XX","tags":null,"has_narrative":true,"complaint_id":"7566681","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2023-09-18T23:03:23.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["We were informed that I could not accompany her and that I had no choice but to board the flight without my <em>wife</em>. \n\nThis was extraordinarily bizarre to us as XXXX had already gone through the <em>security</em> screening process and had shown her boarding pass to XXXX XXXX <em>security</em> officials and the gate/ticketing agent without issue and without any indication that further <em>security</em> screening was necessary."]},"sort":[11.501084,"7566681"]},{"_index":"complaint-public-v1","_id":"2837246","_score":11.395048,"_source":{"product":"Checking or savings account","complaint_what_happened":"In XX/XX/XXXX, one month after moving from XXXX  to XXXX, my wife XXXX opened a new checking account at Captial One 360 Bank. We had previously banked at XXXX and discovered that XXXX had closed all their branches in XXXX. We found a Capital One branch located close to our home and decided to open an account there. \n\nWhen my wife went to the branch she was told that Capital One had a service called Capital One 360, which was their online banking. We were not told that this service would mean that the actual bank branch would be unable to assist us with anything other than deposits and withdrawals. She was sold on this service because it was billed as easy and convenient as well as having no minimum balance. \n\nAt the opening of the account, she deposited two personal checks : 1 ) {$2300.00} from XXXX XXXX, who was our landlord in XXXX  ( check was the return of our one month security deposit on the apartment ), 2 ) {$2400.00} from XXXX XXXX ( payment for summer tutoring services performed by myself ). Thus the total initial deposit was {$4700.00}. \n\nFrom the opening of the account until XX/XX/XXXX we had no intention of using any of the funds in that account. The account had been opened as a rainy day fund, and with the beginning of XX/XX/XXXX rent due, that rainy day had come. In the meanwhile though, my wife had installed the Capital One mobile app and had periodically checked on the account via the app without any issue. We were concerned by the Equifax hack and have been periodically monitoring our bank accounts to check that nothing was amiss. \n\nApparently Capital One sent an email to the effect that more information was needed and the account would be locked until they received more information. This email is dated XX/XX/XXXX. Unfortunately, my wife did not read that email and failed to respond. Thus we relied upon our continued access to the mobile website which did not display a warning or other indication that something was amiss with the account. I have included a screenshot of the email as forwarded from my wife to me. \n\nOn XX/XX/XXXX at XXXX my wife and I walked into the same branch, Capital One at Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX intending to withdraw some funds to make XXXX rent payment. We were surprised when the branch representative said that the account had been \" locked '' XXXX her words XXXX. She then told us that since this is a XXXX account, that the actual branch didn't have any access to the account particulars and everything would have to be done over the phone. She then dialed a line that would connect us to the people who would unlock the account. At the time we thought that a lock must have been placed as a security precaution if the bank had detected some potentially fraudulent attempt to access the account. \n\nThe number the representative dialed connected to a customer service rep who then informed us that all he could do is connect us to the security team. This connection was merely sending us to a voicemail. The branch representative was surprised by this and decided to try again since we were sitting in an actual Capital One bank and could provide all the necessary identification needed for security purposes. After 40 minutes we connected with someone who then told us that the security team could not be reached in any other way other than the connection they gave us that would lead directly to a voicemail. Frustrated and needing the money, my wife left a voicemail with her name and phone number. The branch representative then told us that if they got back to us before close of business that day, we could then return and withdraw money. When asked how long it might take, she assured us that at most 72 hours, which already seemed like an unreasonably long time to return a phone call to a customer who can not access needed funds. \n\nOn the same day, my wife had connected her XXXX account to the CapitalOne account and XXXX did a micro {$.00} transaction to verify the existance and access to that account. My wife then transferred {$320.00} from her XXXX account to the CapitalOne account on XX/XX/XXXX with confirmation that the transfer was completed. She checked on the mobile app and it displayed a deposit of {$320.00} from XXXX. \n\nAround XXXX on the same day, worried that we would not be able to access the account, I called in to try to get contact with someone who could unlock the account. I explained to the person the urgency of the situation since we needed that money to pay for rent. He said that he understood, but we were given the same non-explanation and connected to the line which did not ring at all and went directly to voicemail. I asked to speak to his manager and he refused. I asked to speak with someone who handles customer complaints and he directed me to an email only, saying that there were no live people I could contact. I wrote a long email describing my complaint to XXXX but did not receive any response, not even an autoreply saying that the message has been received. \n\nThe following day, XX/XX/XXXX, unable to access the account, our account at XXXX XXXX  where we had connected an autopay became overdrawn. Unsure whether someone from Captial One would contact us that day, my wife asked a friend of hers to lend us some money and transfer funds to our XXXX account to cover our overdrawn balance. \n\nIn our last previous phone call with a live person, we had been told that it would most likely be within a week at most that we would hear back from the security team. Meanwhile from XX/XX/XXXX, my wife called back each morning, often on hold for 15-40 minutes before speaking to someone with no further information on the account and then getting forwarded to the same voicemail where she left a name and number. This continued until XX/XX/XXXX, when a week had now passed with no attempt to contact us. \n\nNow, we began to worry about XXXX rent and not wanting to borrow even more money from a family friend, I used my twitter account to post several tweets detailing our ordeal and the complete lack of responsiveness on the part of Capital One. I received a message in reply from @ XXXX asking for my wife 's name and zip code in a Direct Message. I responded to that request giving them my wife 's name ( XXXX XXXX ) and our home zip code ( XXXX ). Within an hour I received a followup Direct Message : \" Thanks for the follow-up XXXX. We did some digging here, and while we're not able to place an outbound call in this case, we should be able to get you in touch with the right team. Have XXXX  call XXXX - this number will take her directly to the correct team to help. ^XXXX '' Hoping that this would be the end of our ordeal, my wife called in to that number. She was able to speak with a live person, who then told her that the account in question had been \" closed '' because they had not received a response from us when we opened the account. Keep in mind that neither the branch bank rep nor the phone reps had told us that the account was closed, merely that it was locked. My wife responded by saying that if the account had been closed, then why had she been able to continue to access the account through a mobile login, and further why was XXXX able to confirm the account and allow a transfer of {$320.00} into that account. \n\nThe representative did not explain how this could be possible, but continued to repeat that the account had been closed. We were fine with this, but needed our funds that were in three deposits 1 ) {$2300.00}, 2 ) {$2400.00}, and the final 3 ) {$320.00}. The representative then told my wife that CapitalOne would not issue us that money in a check, but that we would need to contact the original payor of the checks and XXXX to get them to \" reverse '' the payment. Having no idea what they were talking about, my wife said she would call them back after speaking with me. \n\nMeanwhile, she then attempted to log in to her mobile app, only now to discover that suddenly her login no longer worked and displayed a message to call a number. Thus CapitalOne retroactively decided to correct the access we had been given online to fit in line with their narrative. I have included a photo dated XX/XX/XXXX of my wife 's account on the tablet at the bank branch showing access to the account and some of the details of the account to show that CapitalOne is lying about having closed the account prior to XX/XX/XXXX. \n\nI returned home immediately after receiving a stressed phone call from my wife and we dialed the number I had received on twitter. When my wife asked that the person speak with me, the representative stated that she would not speak with anyone other than my wife. I then turned the phone to speaker so that I could hear what the representative was saying. Again, she repeated the statement that we would need to go back to the payors of the checks and ask them to \" reverse '' the payment. The checks had been deposited in XXXX XXXX, and CapitalOne was telling us to get people to get their money back from checks that had been deposited. \n\nAs stated above, the two checks in question were from 1 ) our previous apartment landlord for a return of our security deposit, and 2 ) from the parent of a student of mine. We were told that when the issuing bank requested the \" reversal '' that the money would be returned to the accounts of the payors. When asked whether I would receive any documentation from CapitalOne saying that a reversal was made, I was told that they would provide no such documentation. CapitalOne was asking me to put myself in financial jeopardy by asking a landlord and a former client to get their money back, and then trust in their goodwill and moral fortitude that they would then write us new checks, all without any documentation from CapitalOne that something of this nature occurred and that payment that had previously been received and deposited was now no longer the case. Essentially, should the landlord and client decide to not issue new checks to us, I would have no evidence that they had not paid me. Finally, with regard to XXXX, the representative insisted that XXXX would be able to reverse the transaction. The payor in this case was my wife since the {$320.00} had come from her XXXX account. The representative would not answer any further questions, refused to listen to me further because she determined that she had nothing further to offer and then hung up on us. \n\nCompletely demoralized, I tracked down the phone number of our previous landlord and messaged her asking her to call me back. I explained the situation to her and while she was confused, she agreed to call her bank and ask them to do what CapitalOne had requested. \n\nFollowing that call, I placed another call to the mother of my student and explained again the same situation. She also agreed to do as CapitalOne asked. \n\nAfter that, my wife placed another call to XXXX asking them to \" reverse '' the payment. After speaking to a manager level representative, we were told that XXXX is not a financial institution and only had the ability to process funds in one direction, by giving it, not be taking it. \n\nMy wife then called the same number above to let them know that XXXX had said it was impossible to do as CapitalOne had asked. She further questioned why, if the account had been locked or \" closed '' as they intimated, had the XXXX connection been allowed, and why had CapitalOne even accepted a XXXX deposit. She received no explanation, and the rep only replied that now no deposits would be accepted. The representative then told her that because of the nature of our calls that CapitalOne had decided that they no longer wanted to do business with us. If our ordeal weren't so real, that would have almost been comically funny. \n\nMy wife replied that this was fine, that we only wanted to get our money back. The representative kept trying to insist that the paying institutions ( the banks from which the checks were drawn and XXXX ) would have to initiate the payment reversal. \n\nWhile she was on the phone, I received a call on my phone from our XXXX landlord. My landlord relayed how she had called her bank ( XXXX ) and asked to do what had been requested. She said that her bank said such a procedure was impossible, that the check had been deposited, and there couldn't even be a dispute of the check after such a long period had passed. According to XXXX policy, if XXXX had closed an account ( for whatever reason ) XXXX would have been required by law to issue a check for the balance in the account to the address on record. I hurriedly told my wife what our landlord had told me while she was still on the phone with CapitalOne. \n\nHe repeated the same lines again about getting a reversal until my wife asked to speak with a supervisor. When told that XXXX had told us their policy, he placed my wife on hold to speak with someone. When he returned he told my wife that if we received either a \" Hold Harmless Letter '' or \" Letter of Indemnity '' from the banks of the payors, CapitalOne would then issue a check to us. My wife had no idea what that meant and he refused to give further information and my wife judged that the representative did not know exactly what those things meant either. He did not offer any further instructions and no email sharing directions for how those letters were to be constructed was given. \n\nDespondent, my wife hung up after writing down what she had been told, including a fax number ( XXXX ) where we were to fax these letters once we had received them from our landlord and my former client. He still had not let us know how we were to resolve the {$320.00} from our XXXX account. \n\nAgain, I called our landlord to ask her to ask her bank for this, but now she was uncertain about signing a general letter of indemnity, not knowing how CapitalOne would use that letter. Since there was no specific direction regarding what terms would be needed in that letter, I could not tell her what she needed to hear. She agreed to ask her bank if they knew what CapitalOne would need, but she stated that while she would agree to an affadavit affirming the nature of the check that she wrote to us, she would likely not sign a general ( unspecific ) letter of indemnity. \n\nI received a similar reply from the mother of my student. \n\nNow we are completely out of options. CapitalOne says they closed the account. CapitalOne has now, beginning XX/XX/XXXX locked my wife out of online access. CapitalOne has told us of a method to recover the money that turned out to be impossible according to the banks of the check payors. CapitalOne now demands a legal instrument that the check payors are reluctant to sign. \n\nWe even visited our local XXXX XXXX  representative to ask for clarification and she informed us that XXXX XXXX, like XXXX, would have issued a check for the balance in the account upon closing the account. \n\nI discovered the CFPB from calling the Federal Reserve consumer help line and was transferred to a CFPB representative who was very helpful. \n\nWe are desperately in need of help. We were told that after filing the complaint that CapitalOne would have 15 calendar days to respond. 15 days would put us very close to the end of the month, at which point another rent payment will be due along with the other bills. We have not been able to make more than our minimum credit card balance payments and are essentially surviving on using credit cards to pay for gas, utilities, food, and essentials. We have a XXXX XXXX daughter and need this money to get some of our financial issues straightened.","date_sent_to_company":"2018-03-08T17:29:27.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75034","tags":null,"has_narrative":true,"complaint_id":"2837246","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-03-08T17:20:46.000Z","state":"TX","company_public_response":null,"sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["As stated above, the two checks in question were from 1 ) our previous apartment landlord for a return of our <em>security</em> deposit, and 2 ) from the parent of a student of <em>mine</em>. We were told that when the issuing bank requested the \" reversal '' that the money would be returned to the accounts of the payors. When asked whether I would receive any documentation from CapitalOne saying that a reversal was made, I was told that they would <em>provide</em> no such documentation."]},"sort":[11.395048,"2837246"]},{"_index":"complaint-public-v1","_id":"2477414","_score":11.187799,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Here is the timeline of the events. I have a primary credit card with AMEX for almost 3 years. In XXXX, I received a letter from AMEX that due to a system issue they might have compromised sensitive information about many cardholders and one of them could be mine. I did n't notice any changes on my credit score so I thought there is no problem. Here is when all the problem started. ( Timelines are approximate to best of my memory ). late XXXX, XXXX - sent three requests to AMEX 1 . Applied for a secondary card for my wife 2. Application to update name on my account 3. Address change - only thing which was successfully done. Sometime around XXXX I Received a card for someone else named XXXX XXXX. I contacted Amex for the following- 1.talked about the card.. And asked them to close it as I do n't recognize this. I also asked why did they send this to me? 2. Checked on status for card application for my wife 3. asked for why Name was n't changed yet '' I got following responses- '' 1. Amex assured me that they will investigate why this happened but will immediately close the account 2. Amex said that the card was already sent for my wife to the new address!! But since I did not receive it they will send another one with expedited shipping ( There was n't anything on my account though except the card for \" XXXX XXXX ( Not my wife ) '' 3. Name Change - Amex said that please resubmit the docs as earlier was n't readable (!! ... oh.. so they were waiting for me to check back ). I told them that the same proof was accepted by other credit card companies, why were n't you able to read?! The document submitted was clearly visible, anyways I submitted again '' Status after few days XXXX \" 1. Never received the second card.. Had to Check again and this time they finally sent a card for my wife which I received through normal post! 2. Name Change status- Checked again.. AMEX Response- \" Your name is more than 20 characters hence we ca n't change it in our system \" ( Really?? ) I was surprised and asked ca n't you just use initials for first and middle name and use last name? AMEX Response- '' No, we have to use the name as per your SSN '' ( WOW!, but if you wo n't update, you are n't doing that anyways ) '' .. I gave up. \" Meanwhile I kept getting pesky calls from AMEX fraud team from Unknown numbers, asking for sensitive details. I asked them to verify if they are really from AMEX fraud team and they were unable to do so. My credit score dropped more than XXXX points in a month and I was wondering why?! In XXXX XXXX. I could n't take this longer wanted to close all my AMEX accounts.. Get my rewards redeemed and close all relationship. When I contacted them through chat, I was informed that there are 2 cards on my name!! When I asked the agent to provide me the details as I do n't recognize the second card, He disconnected me out of chat.\n2. I could sense something is wrong and kept trying, finally got connected and was confirmed that there are 2 accounts and At first AMEX refused to reveal the details of second account to me. When I insisted they added that account to my online page ( after few verification questions ) and ask me to review there. To my biggest surprise, The second account is used by \" '' XXXX XXXX '' ''!!!?? I was shocked to know that I already informed AMEX about this fraud 2 months back and still AMEX did n't do anything about it, while they removed this account from my online account page, this account was still operating with some other card number. I asked the obvious question, why this account is still under my name??. Amex response- \" you need to call our security team to let them know about this fraud. '' When I told it was done nearly 2 months ago, the agent connected me to supervisor.\nAMEX never even informed me about this account on my page. The supervisor started asking vague questions. When I started asking tough questions, they first tried to provide vague answers then disconnected me again. When I contacted account security team on phone- the response could n't have been any better- \" '' All our systems are down and we ca n't take any of your requests right now '' '' ''","date_sent_to_company":"2017-05-06T05:33:20.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"19335","tags":null,"has_narrative":true,"complaint_id":"2477414","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2017-05-06T05:10:14.000Z","state":"PA","company_public_response":null,"sub_issue":"Card opened as result of identity theft or fraud"},"highlight":{"complaint_what_happened":["Amex response- \" you need to call our <em>security</em> team to let them know about this fraud. '' When I told it was done nearly 2 months ago, the agent connected me to supervisor.\nAMEX never even informed me about this account on my page. 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