23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Here is what happened. ( see below ) Monterey Collections Services ( " Monterey '' ), functions as a comprehensive receivables management company. We acknowledge receipt of the complaint filed with your office by XXXX XXXX regarding the account with XXXX XXXX. We have reached out to XXXX XXXX who confirmed the account details including names, addresses, and the outstanding amounts due. XXXX XXXX entered into the attached Vacation Membership Purchase and Sale Agreement with XXXX XXXX on XX/XX/XXXX. By accepting and signing the attached Agreement, XXXX XXXX is bound by the terms of the Agreement and XXXX XXXX Covenants, Conditions, and Restrictions, including payment of sums due, default remedies, and credit reporting. As per the attached payment history, XXXX XXXX did not make any of his monthly contractual payments and the full defaulted balance was assigned to Monterey for collections on XX/XX/XXXX. Please note, Monterey does NOT own the debt. It is simply collecting the assigned balance on behalf of XXXX XXXX. The Rules and Regulations listed in XXXX XXXX contract outline in the event that BUYER ( XXXX XXXX ) is sent to a collection agency, specializing in overdue accounts, the collection fees of the services will be paid by the Buyer. At the time the account placed in collections, a collection fee was added to the account in an amount allowable by law and the state governing the contract. XXXX XXXX first spoke with an agent at Monterey on XX/XX/XXXX. While exploring a possible resolution, the agent inquired about transferring the balance to a loan, which would reinstate XXXX XXXX account with XXXX and allow him to make monthly payments to the loan holder without the impact of negative collections credit reporting. XXXX XXXX was advised that, should the account remain unpaid, it would begin reporting to the Credit Reporting Agencies as an open collections account. Monterey asserts the validity of the debt and balance and the right to pursue collections and is diligently reporting complete and accurate data to the CRA. The principal amount due is {$10000.00} ; Late Charges amount to {$91.00} ; Collection Costs amount to {$3600.00} ; and Accrued Interest is in the sum of {$33.00}, accruing daily. Consequently, the total amount due is {$14000.00}. However, our office has communicated XXXX XXXX concerns to XXXX XXXX, who has agreed to remove the account from collections if the balance of {$3800.00} is paid by XX/XX/XXXX. XXXX XXXX would then be responsible to resume paying his contractual monthly payments and maintenance fees to XXXX once the account is reinstated. We encourage him to contact our office at XXXX to take advantage of this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX {$610.00} XXXX XXXX   XXXX {$210.00}
Product: Mortgage

I was on XXXX and applied for a loan modification XX/XX/XXXX/XX/XX/XXXX to get the payments of 3 months attached to the back of the loan. The company would take 5-7 days to process any documents that were uploaded and then send out a letter taking another XXXX days asking for more documentations. I called several times asking for a list of everything they needed so that I could get it all done at once. It is now XX/XX/XXXX and the company is still asking for more documents. on XXXX/XXXX/XXXX Caliber stated the last thing Underwriting needed was an updated XXXX which was completed and uploaded on XXXX/XXXX/XXXX because it took them until XXXX/XXXX/XXXX to process it Caliber is now needing more documents and an application because as of XXXX/XXXX/XXXX the file was 90 past initial start. I have documents of over XXXX pages of uploaded documents they have asked for. I was also approved for XXXX california but because of my past due amount Caliber refused to approve keep your home california which would have given us assistance for up to 18 months.
Product: Credit reporting or other personal consumer reports

I was completely taken aback when I discovered inaccurate accounts on my credit report this morning. I check it regularly, but today, for some reason, there were discrepancies that I couldnt explain. This has left me frustrated and worried, and Im requesting that the documents Ive sent be carefully reviewed to prevent such an issue from recurring.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my reinvestigation back from XXXX XXXXXXXX XXXX XXXX. ld like to receive the description according to 15 USC 1681i ( 7 ). 
Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 
Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( AXi ).
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint against CBNA ( Best Buy ) for its failure to remove a fraudulent credit card account that was opened in my name without my authorization on XX/XX/XXXX from my credit history. 

Background I have been a victim of identity theft. On XX/XX/XXXX, fraudsters changed my mailing address via the U.S. Postal Service ( USPS ) to an address with which I have no connection. 

Subsequently, during the course of XXXX, they opened multiple credit card accounts with various U.S. banks, as well as a XXXX phone account, using this fraudulent address. They also registered accounts in my name with XXXX, XXXX, and XXXX and used a phone number that does not belong to me. 

My Residency & Evidence of Fraud I have not been a resident of the U.S. since XXXX, when I moved to XXXX. I currently live in XXXX, XXXX XXXX, and did not visit the U.S. between XX/XX/XXXX and XX/XX/XXXX, as evidenced by my passport. My permanent U.S. address since XXXX has remained in XXXXXXXX XXXX 

I have filed an identity theft report with USPS and submitted extensive documentation to CBNA/Best Buy in XX/XX/XXXX, both via mail and online, including : Two police reports FTC report Signed copy of my Social Security card Passport copies Debit card statements proving my XXXX address was never changed XXXX lease agreement Utility bills Additionally, I have disputed this fraudulent account with all three major credit bureaus. 

CBNAs Failure to Act Despite this overwhelming evidence, CBNA remains the only financial institution that has refused to close the fraudulent account and continues to insistwithout justificationthat I opened it. Given that a year has passed since I first discovered and disputed this fraud, I believe CBNA is acting in bad faith, potentially to avoid the compliance and financial repercussions of acknowledging fraud within their system. 

Request for Further Investigation Some transactions on this fraudulent CBNA account were made in person. I have requested that CBNA : Review security camera footage from the merchants where in-person transactions occurred, which will confirm that I was not present. 
Compare my signature, which has remained unchanged for 20 years and is visible on my passport and Social Security card, against any signatures on payment receipts for this fraudulent account. 

Formal Request Given the compelling evidence presented, I formally request that CBNA immediately remove this fraudulent account from my credit history and cease any further attempts to hold me accountable for it. 

I appreciate your prompt attention to this matter and look forward to your response.
Product: Credit reporting

Request for permanent removal from preapproved credit offer mailing lists was submitted XX/XX/XXXX. After continued receipt of unwanted offers, on XX/XX/XXXX, I sent a reminder of my submission. Here it is XX/XX/XXXX, and I am receiving a new offer from XXXX that states it comes from " prescreened '' list. I am very displeased at the lack of attention my request was given.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bridgecrest claims that when my vehicle was totaled on XX/XX/XXXX the insurance check that was issued didnt cover the deductible hence leaving a current balance on my account I have disputed this with the credit bureaus this however isnt true that the deductible was not included in the settlement amount is actually was included before the settlement check was issued in the amount of XXXX was the amount that was settled however when the subtracted the XXXX dollar deductible it left the amount of XXXX that was paid to them included a gap check of XXXX including the XXXX deductible as well as Vehicle service contract refund in the amount of XXXX they still are holding me responsible for the XXXX that they claim my insurance didnt cover hence why the balance is still on my account reflecting current this has dropped my credit score and put me 60-90 days late on my credit report with XXXX and XXXX however this same account that is showing open with these two bureaus was reported closed on XX/XX/XXXX when it was back dated at the time of loss is now reopen and was opened XXXX and its only showing open from XXXX and XXXX however XXXX is still reporting this account as closed but my credit has dropped with them as well Bridgecrest either was informed of the deductible being taken out of my settlement check prior to payment or they werent but I know that I shouldnt have a balance left because the XXXX was overpaid by XXXX XXXX as well as deductible from the initial settlement amount
Product: Mortgage

( I want to Change this COMPLAINT TO A NEW COMPLAINT NUMBER ) Due to the FACT of the NEW ISSUE THAT HAS TAKEN PLACE THAT INCLUDE HUD NOT FILING NEW RETALIATION CLAIM WHERE CARRINGTON ACTUALLY PUT HOUSE IN FORECLOSURE XX/XX/XXXX and they gave me a old CLAIM NUMBER that was already close in XXXX. 

( This also should be change to new Claim Number ) because Carrington REFUSE TO ACKNOWLEDGE XXXX XXXX XXXX XXXX XXXX DOCUMENTS that was submitted to her to ANSWER. The Documents was 29 Question to ANSWER THAT is in REFERENCE to this CASE!!!
Product: Vehicle loan or lease

Bridgecrest had made loan modifications and payment agreements with me during the Covid -19 pandemic, I informed Bridgecrest I was unemployed and sick. 

As per the 'Cares Act ' Fair Credit reporting addendums, I am and have been asking for he 'Late Payments ' to be removed, it is having a huge negative impact on my credit report and score from all three credit bureaus, XXXX, XXXX and XXXX. 

Bridgecrest has not removed the 'Late Payments ' for the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Cashapp is refusing to give me my money back from a merchant who will not communicate with me about a refund for a returned item.
Product: Credit card or prepaid card

I am a Care Credit cardholder. The enrollment was made for XXXX expenses of {$2000.00}. under my husband 's name because I did not have credit history on that moment. After my school loan, Care Credit is my first experience of credit card. Unfortunately, I did not know enough about credit cards. 
During the enrollment process I was talking on a phone with Care Credit representative who did not educate me and did not provide clear information about loan interest on top of that they were misleading about how fees work. And I was only provided with an agreement and Care Credit booklet by the XXXX office and received nothing from Care Credit. Everything that the representative said to me sounded as If I fail to pay the debt in full by the end of promotional period, i must pay accrued interest on the remaining balance. I made my first payment in XX/XX/2017 and continue to pay till now. Since i do not have enough experience with credit cards, I had no clue that all this time I paid just interest for {$1400.00} and owe {$2000.00} because of my late fee and interest. Care Credit online payment page looks confusing, it does not say any word such as fee or interest. Instead of it the page shows minimum pay due then make payment and view payments ... also i can't see my whole history of payments, only last 12 months another problem that I had with Care Credit, I could not reach representative on a phone to explain this situation to me I reached only recorded voice with the options to press buttons which sent me to recorded voice all over again and only yesterday my coworker gave me an idea to press 0 and I finally spoke with representative and was told how much I owe. The options I was given stressed me out more. I owe {$2000.00} and all period of time i payed interest and late fees, and if I continue pay minimum amount as it is shown on the web page, it never ends ...
Product: Debt collection

Security Credit Svcs recently reported a {$1400.00} collection account on my credit report. They are stating that the original creditor is a company called XXXX XXXX. I have never heard of this company, much less had an account with them. Needless to say, I have made Security Credit Svcs aware of this, but they refuse to take it off of my report. When I last spoke with their reps, they said I should dispute the account with XXXX, XXXX, and XXXX XXXX. They said that if the account was not mine, it would be deleted. Well, I did that ; and the account is still reporting on my credit file.
Product: Credit card or prepaid card

XX/XX/2019 XXXX XXXX XXXX On Sunday XX/XX/2019 I am purchasing a pants through XXXX XXXX XXXX online and my XXXX XXXX XXXX didn't went through. I tried twice and I can not purchase anything by using the provided Credit Card Number to my XXXX XXXX. I decided to contact them through chat and they were asking all information regarding about my XXXX XXXX XXXX. They were asking also for a Bank Statements which I provided. However, I didn't noticed that it was only under my spouse name. I explained it to them through chat that we just recently moved to a new address and we didn't fixed it yet. I sent another Bank Statement which is only under my name.They replied and says Thank you for the information. After few minutes I received email from them and they closed my account. I called them and I spoke to different agent until I spoke to the supervisor on duty because I demand an answer to why they closed my account. Even the supervisor told me that she can not give me an answer to why they closed my account. I told her about the email I received that stating " Your XXXX XXXX account has been closed because : Failure to comply with the terms of the card member agreement or rewards agreement ''. I asked the supervisor what was the failure? ans she  told me that is not a question that I can not give you an answer. I believe that being a Card Holder I do have the right to know what was the reasons why they closed my account. I just asked a simple question that ended up closing my account without no reasons at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX filed disputes for all fraudulent inquiries. called the companies and the bureau and still have not heard anything
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, Equifax updated the payment history on a XXXX credit card account that has been charged off since XXXX. The change caused my credit score to drop substantially. On this same date, Equifax changed the remarks listed on this account. I have not been notified of these changes or why they are being made. However, IF these changes are accurate then Equifax is admitting to violating the FCRA laws on more then XXXX occasion by failing to properly investigate and update the information at the time that I disputed this account. Disputes have been made more then once on this specific account so if the investigation was done properly and the account was in fact verified as accurate then these changes would not be suddenly appearing. You may also note that the payment history was changed from 120 days late to 150 days late, but the account was listed as a charge off at 120 days late.
Product: Credit reporting or other personal consumer reports

am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.
Product: Credit card or prepaid card

I'm using this crypto.com app and it say make a card. I did already for a good while but never have I received a copy
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked Experian to do a complete investigation and to furnish the proof according the FCBA Guidelines instead of their automated system that doesn't thoroughly verify the complete accuracy. As of to date XX/XX/2018 i have not received the requested documents of my disputes and everything has remained the same including a fraudulent account. So in faith of making money from the companies reporting I and others are left with with Inaccurate information. 
It's like the creditors and the credit agencies are working together all in the means of money. One credit did tried to get me to pay for an account they no is not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian 's WEB site ( XX/XX/2020 ), I could not add a fraud alert using my personal information. Tried several times and different days ... but it asked for data, which wasn't even on the form ( see next 6 items ) 1 ) Please correct your most recent previous address.

2 ) Previous city 1 is a required entry.

3 ) Previous ZIP Code 1 is a required entry.

4 ) Please correct your second most recent previous address.

5 ) Previous city 2 is a required entry.

6 ) Previous ZIP Code 2 is a required entry. ) Tried Experian 's main site, which apparently 'got ' me signed up for a 'free trial ' which I apparently can not cancel ( called XXXX which has a constant busy signal, over the course of 20 calls ) ... then Experian 's site tried to sell me on a $ 20+ per month product ... when all I wanted was to set up a free fraud alert.
Product: Student loan

Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.
Product: Mortgage

On XX/XX/XXXX, after much frustration with inaccurate information from my mortgage company, and after filing a detailed complaint here I received, in writing, a promise to honor a lower interest rate on my recent loan modification at 4.72 %. At that time, the representative who identified himself as a XXXX XXXX XXXX ( XXXX XXXX I believe ) stated that new documents would be expedited and sent to me within approximately 2 weeks. After several calls to follow up on this, and after being told various things ( including that the underwriters would draft a new agreement with the original 4.0 % interest rate ) a representative escalated my call and I spoke to a XXXX XXXX who assured me that he would get to the bottom of the issue and that I would hear back directly from him within a matter of days. That was on XX/XX/XXXX and I still have not heard anything. I did verify my contact information with him before ending that call. The original response to my first complaint is documented in this forum. I want them to make good on that offer as through no fault of my own, I was unable to take advantage of the lower interest rates due to non-delivery of time-sensitive documents on multiple occasions.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX Balance : {$810000.00} XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Inquired on XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$820000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX Balance : {$820000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX Balance : {$0.00} XXXX Inquired on XXXX XXXXXXXX XXXX
Product: Credit card

I bought some wine from a shop in XXXX, and B of A denied the charge because they " suspected fraud, '' and called us after the fact. It was a legitimate charge, and when told that with confirming information, they said they had released the hold. I told the vendor to re-submit, which they did, and it was denied again. It is embarrassing, unprofessional. and they should be criticized for it.
Product: Credit reporting or other personal consumer reports

Im dealing with incorrect information on my report that is unfairly damaging my scores and limiting my opportunities. Its frustrating to be blocked from progress because of errors that shouldnt exist.