23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this Another CFPB Complaint to inform the Credit Bureaus that they have failed to correct or update the disputed accounts reporting erroneous information on my Credit File. I previously sent a dispute letter addressed to the Credit reporting Agencies requesting that they update and correct the disputed accounts on my Credit File. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance Owed : {$26.00} XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX  XXXX Balance Owed : {$0.00}
Product: Debt collection

My vacation club account went into collection as I have had financial difficulty and have not been able to pay. I contacted my original creditor XXXX and they said they transferred/sold the account to Monterey Financial. 

Monterey Financial told me that I need to pay the full balance, OR that I would be sued, and lawyers will file claim for more legal action and my credit will be severely tarnished. 

I explained I do not have the ability to pay, and XXXX said I was stalling and lying. He stated several times that I am in breech of contract and that I need to pay the full balance, and there were no other options. I asked XXXX if he had the contract, and he said he did not. How can you collect on something stating I am in breech of contract when he does not even have the contract? 

He said he will mark my file as " Refused to Pay '' and continue with the legal process unless I have payment to him by end of this month XXXX/XXXX/16. This is the first time I spoke to him on XXXX/XXXX/16! 
I do not have the full balance, can not even get credit and I said I could n't afford that. XXXX said the only option is to pay the full balance. How is this not predatory? I am getting charged fees, high interest and more fees and then I have to pay the FULL balance? I have not received any letter from the collection agency, detailing any information either. 

What is not even clear to me is if I pay the full balance, do I even get my vacation club status active? It seems they are closing my account fraudulently, as I owe a significant amount less than what the value is on my vacation property.
Product: Credit reporting or other personal consumer reports

I Have reached out to all 3 Credit Bureaus and they have given me the run around I have sent in my FTC report in months ago here are the inquires and accounts that need to be removed Immediately. 

Account Name and Account number XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023, XXXX XX/XX/2023, XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

One day I log on my account and I saw a charge in my account that I wasnt aware of and I called my bank they open up a claim and they credited it to my account and I want to sue Bank of America for false information they said I could keep the credit it wasnt gon na get take back but since whoever did fraud my account they send it back to them and now Bank of America owe me XXXX for not releasing my social security benefits to me for taking it they said I have to pay off the negative the put in my account for no reason I didnt ask for no one to do fraud in my account why I have to pay XXXX back Bank of America never informed me they was done with the claim they never reach out thru email or phone call I wasnt aware they was gon na take the credit and put me in a negative Im a XXXX mother and Im on XXXX and Bank of America been taking my check I get XXXX each month it been two months they took XXXX from me how do I get that back I need help
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally filed a dispute on XX/XX/XXXX over the status of my student loan accounts. After over 30 of investigation they have incorrectly changed my record, and now have the same items being reported two separate times on my account. One item is even reported three separate times. The lack of any rush to properly investigate and handle issues is very clear. I now have to wait over two months in order to get this dealt with.
Product: Mortgage

I am a housing counselor for a non-profit hud certified housing counseling agency representing a client with Carrington Mortgage who has applied for a loan modification ; ( the loan mod process started with XXXX and then transferred to Carrington ) we have both contacted the lender repeatedly and on XXXX XXXX, they finally stated they had a complete package and they were waiting on the irs transcripts and title search to come back. Then on XXXX XXXX they closed the file for not us not providing documents. I have called with the client on conference with the lender and was advised the spoc had incorrectly notated the file and they did n't have all the documents and closed his file. They had mailed him another package and advised us we had to completely redo another file in order to be reviewed. I argued why should we have to start all over again when you already have all the information. I asked to speak to a manager and was adv one was not avail they were in remediation and that they would have to call me back. I also asked to be put to the spoc and she did n't even attempt to get her on the phone. This is the XXXX time they have made us restart and now are wanting it done a XXXX time. This client is/was current at time of submission.
Product: Credit card or prepaid card

In regards to my CC ending in XXXX, I filled a claim for a charge of {$81.00} on XX/XX/2021 ; The correct amount I should have been charged is {$35.00}. For backstory, I went to XXXX XXXX in NY for a work meeting, I bought three rum and cokes and they were {$9.00} each, after tax and tip my total was {$35.00} for the three drinks. I left and came back within the hour and ordered the exact same three drinks but this time I was with my coworker, my card was on file. Upon waking up the next morning ( Knowing I never accurately signed a receipt upon leaving ) I noticed a charge of {$81.00} including the original {$35.00} from my first visit. My guess is that the bartender put my coworkers drinks on my tab and possibly my coworker may have signed the receipt. In any case, there should only be two charges for {$35.00} ( generously ) and I was wrongly charged {$46.00} which isn't a large sum of money but Wells Fargo basically told me to go XXXX. 

Would love to see this get resolved as its not so much about the money but the principle and shadiness behind Wells Fargo Claim process.
Product: Credit reporting or other personal consumer reports

In late XX/XX/XXXX XXXX declined my application for their credit card & I received my credit reports and created accounts with the credit agencies : TransUnion, XXXX XXXX XXXX. There were several accounts opened in my name. I followed all of the procedures- disputed fraudulent information, place fraud alerts, froze all accounts, filed a police report, opened account with ID-Theft.gov In this case, XXXX, I have written to them three times requesting that they : Reverse the fraudulent charges & close the fraudulent account, provide documentation showing the fraudulent activity has been cleared, ensure the negative information reported to the credit agencies is removed and provide a copy of the documentation used to open this account. 

The accounts that I fraudulent accounts were opened and used between XXXX and XXXX. XXXX charged-off this account and there was - and is - a lien placed on my property. 

As you will read, XXXX, gave very odd reasons for coming to the conclusion that " the account is valid '' & " you have accepted responsibility for this account '' & this is the most confusing " we mailed the credit card statements to this address and they were not returned '' I never received any statement from XXXX ( except when they mailed a large stack of statements showing where the money was being spent. ) As far as addresses go, I have been at my address and have never used another address for over ten years. I've included a page showing many addresses in my name and in trying to dispute them the credit agencies are unable to delete them because supposedly that is how I am doing business with the creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hold a home loan from XXXX A/C No -- XXXX. My credit report shows non-payment in the month ofXX/XX/XXXX &XX/XX/XXXX. But my EMI of XXXX was debited in each of these month on the last working day of the month. This is hampering my credit sscore badly.
Product: Mortgage

Caught up in the sub-prime mortgage and the housing market crash, my mortgage has been tossed around to finally land with Ocwen loan servicing for XXXX. Due to the loss of employment XXXX for my boy friend, who contributes to half of the mortgage payments, and my job loss a couple years after, we have fallen behind in our payments. Starting in XX/XX/XXXX, Ocwen started refusing partial payments from me and ( sort of ) started the modification process that has been going on since XX/XX/XXXX and continues today. 
To summarize, from a time line I have compiled on my mortgage situation, I offer the following information : Summery : XXXX Modification Packets sent to Ocwen between XX/XX/XXXX - XX/XX/XXXXXXXX phone appointment re-scheduled by Ocwen XX/XX/XXXX-XX/XX/XXXXXXXX ( possibly more ) requests for additional information on my second employer. 
XXXX Relationship Manager changes. 
When speaking to modification representative as well as the weekly auto-calls, the service representative does n't seem to know any information on current correspondences or that I am already working on modification. 
Over this time the late fees, photographing the property ( which is only an image of the corner of our garage from the road ), un-realistic property value comp and a random fee for modification request back in ( I believe ) XX/XX/XXXX, that was not stated on any of the forms has been added to my debt to Ocwen. 
The big hold op for Ocwen seems to be my second employer which is a 15 week teaching position. After sending Ocwen my teaching contract, copy of the last pay stub and a letter from myself explaining the payment schedule, Ocwen tells me it is not enough and has to review it. Now on my last phone conversation with Ocwen, they said the information I had sent in regards to the teaching position does not fall into the government guide lines. Ocwen has put off another modification phone appointment so they can review the information yet again. Mean while, my anxiety and anger increases, I can not make any repairs or improvements on the house and myself and my bot friend can not get on with our lives without fear. 
Every time Ocwen requests a bit of information it is not always what they really need. They seem to communicate with out clarity. So I may send what they asked but dates will be wrong and then I have to fix that information. And so it goes around and around. I have gone through a local agency, XXXX XXXX ( XXXX XXXX ) who were a big waste of time and not helpful. I also talked to a finance councilor, who after giving them all the information the Ocwen has, told me that we should be all set for a loan modification. 
A friend led me to your organization and I trust you can help. Thank You. XXXX XXXX.
Product: Debt collection

On XX/XX/XXXX I received notice that Tidewater Finance debited my savings account in the amount of {$3000.00}. I have never had an account with them. I contacted Tidewater on XX/XX/XXXX, and manager XXXX XXXX acknowledged that I was not and have not been a customer or client of Tidewater Finance. Nobody I know has an account with that company, and I have certainly never allowed my savings account to be used for any purpose regarding Tidewater Finance. Tidewater took my entire life savings from my account without my authorization. I 've also had {$86.00} in fees incurred because of their unauthorized and unwarranted debit of my account.
Product: Vehicle loan or lease

We purchased a car through Nissan Motor Acceptance Corporation on XXXX/XXXX/XXXX and scheduled our first payment to be due on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, we enrolled in SignatureDIRECTPAY by printing the online form and submitting to XXXX via XXXX as instructed, for automatic monthly payment deductions. It states on the website " It is important that you continue to make payments on your account until you receive a notification letter with the start date of your payment deductions ''. XXXX processed the form on XXXX/XXXX/XXXX. We did not receive a confirmation letter via XXXX but it states on my XXXX account under the Payment Dashboard section " You have a SignatureDIRECTPAY of {$650.00} scheduled for XXXX/XXXX/XXXX ''. As of XXXX/XXXX/XXXX they had not deducted the payment from my account so contacted customer support and was told " XXXX is scheduled to start on XXXX/XXXX/XXXX, so you would need to make your XXXX payment manually '' and " XXXX is activated within 15 days of us receiving the automatic payment documents ''. The customer service rep said " Your state has a XXXX window of opportunity '' so an option for me was to wait and see if the payment posted. I have read many forums about how XXXX does this to their customers and how they will charge interest as well as report a late payment to credit companies, which will affect my XXXX XXXX. I setup XXXX to avoid the fee XXXX charges just to make a payment. I looked on my account to see what the fee would be and received a " Additional Payment Warning XXXX '' stating that I had a payment scheduled or in process and to refer to the Payment Dashboard. The customer service rep said his supervisor was not available today but would contact me in XXXX business days.
Product: Checking or savings account

About 20 years ago I opened an account with Bank of America in XXXX XXXX XXXX. I have since retired and now reside in XXXX, XXXX. I rely on my ATM/Debit card for activities of daily living. I am a single woman who largely depends on myself for survival. Today I visited a XXXX store about XXXX miles from my home and attempted to pay {$55.00}, which was declined twice. ( My account balance was $ XXXX ). I was forced to leave the purchases. On reaching Bank of America I was informed that they had blocked my card " because of suspicious activity. '' When I use my card in my neighborhood for petty purchases there is no problem. This problem occurs ONLY when I attempt to use the card in affluent, predominantly white neighborhoods when they term my actions " suspicious '' as when used in my son 's neighborhood ( XXXX ), multiple times. In XXXX BoA declined my purchase of a pair of shoes at XXXX in XXXX XXXX. BoA continuously do this to me and I suspect it is because algorithms are set to frustrate people like me from shopping in XXXX areas. At no time did BoA offer me alerts to flag fraud on your account nor did I sign up. I live in XXXX  and should not be restricted from any other area in XXXX. Why is a measly sum of {$55.00} considered " suspicious ''? I call this institutionalized racism.
Product: Credit reporting, credit repair services, or other personal consumer reports

On about XXXX 2022 I filed a dispute of inaccurate information under section 608 -612 of the FCA . On or around completion XX/XX/2022. I received an email from XXXX, Equifax and XXXX XXXX stating that information was added and staying on my report without it accurate information according to the FCA section 608 as well as adding deleted information that has also not been required by the FCA I am writing this report because I feel multiple things on my credit report is incorrect and has not been thoroughly investigated.
Product: Debt collection

The Company CCS has contacted me multiple times a day after I spoke with two different representatives and requested them to stop calling. The number they are calling from XXXX. They have contacted me on XXXX and XXXX and both have been requested to be added to their do not call listing. I got a call this morning XX/XX/2019.
Product: Credit reporting or other personal consumer reports

THE LIST OF ACCOUNTS BELOW HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681. 
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 HAS VIOLATED MY RIGHTS. 
I LOOKED AT MY TRANSUNION CREDIT REPORT ON XX/XX/year> AND NOTICED SOME THINGS ARE INCOMPLETE AND NOT ACCURATE. AND ACCORDING TO THE FAIR CREDIT REPORTING ACT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES ACCORDING TO 15 USC 1681 ( E ) ( B ).

AND ACCORDING TO 15 USC 1681S THEY ARE SUPPOSE TO DO THIS ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION.

( A ) IN GENERAL. IF, AFTER ANY REINVESTIGATION UNDER PARAGRAPH ( 1 ) OF ANY INFORMATION DISPUTED BY A CONSUMER, AN ITEM OF THE INFORMATION IS FOUND TO BE INACCURATE OR INCOMPLETE OR CAN NOT BE VERIFIED, THE CONSUMER REPORTING AGENCY SHALL ( I ) PROMPTLY DELETE THAT ITEM OF INFORMATION FROM THE FILE OF THE CONSUMER, OR MODIFY THAT ITEM OF INFORMATION, AS APPROPRIATE, BASED ON THE RESULTS OF THE REINVESTIGATION ; AND ( II ) PROMPTLY NOTIFY THE FURNISHER OF THAT INFORMATION THAT THE ITEM HAS BEEN MODIFIED OR DELETED FROM THE FILE OF THE CONSUMER. 
AND ACCORDING TO 15 USC 1681C-2 THEY ARE SUPPOSE TO NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit card or prepaid card

I called in today to Chase about something on my CC, and the rep told me that my account was closed. 

First of all, I wasn't notified about this ( they say that they are planning to send a letter, but how am I supposed to know not to use the account? ) But they didn't want to give me any reasoning for it and a fair chance to reopen the account.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was opened without my knowledge, consent, or authority within XXXX business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX Balance Owed : XXXX XXXX XXXXXXXX Balance Owed : {$690.00} XXXX ** Balance Owed : {$3600.00} XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to XXXX during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to XXXX  ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
Product: Payday loan, title loan, or personal loan

I was 6 days late on paying the entire full balance because I dont get the bills telling me promotional rate is done. 

Even all the emails didnt have the dates written. 

So payment was due in XXXX but I guess it was 6 days late and I was charged {$1400.00} in interest only!! 

Its my fault for not paying after 12 months but I never got notices or even few day grace period
Product: Credit reporting, credit repair services, or other personal consumer reports

Please investigate the following claims versus me of which I've contested the reporter 's privilege to do so and launched challenges of the evidence supporting their claim of reportability! The information I suspect is in deviation from reporting requirements include but likely is not limited to the following so please require removal or evidence of reporting adequacy : XXXX ACCT # XXXX Reporter making unverified accusations of injurious derogatorily reporting and or allegations of delinquencies elsewise does so without satisfying their requisite criteria to have even utilized the PRIVILEGE to report and further failed to substantiate claim 's report-ability upon my rightful challenges to demonstrate confirmed certifiably compliant reporting processes and practices such as provable absolute adherence to the mandates of reporting laws and standards including but not limited to that of the XXXX, FCRA, ECOA, applicable state regulatory requirements and or even that of the mandatorily utilized Metro2 Data-filled field formatted reporting standards. Per XXXX 'S own XXXX manual, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA '' alleged, thereby bringing into question reality of reporter 's actual abeyance of laws. Federal reporting regulatory requirements include a minimal compliance of reporting to a degree no lesser than that of a MAXIMUM POSSIBLE ACCURACY AND MAXIMUM POSSIBILITY OF COMPLETENESS. YET, the reporter still reports deficiently despite my notifications of such and calls for them to vet their own processes and practices and abiding by the very standards deliberately designed to aid adequacy in lawful reporting. 

I can only assume the reporter was willfully noncompliant in their injurious unfair reporting or at best recklessly negligent in ignorance or purposeful disregard of consumer rights much less it's own reporting requisites to satisfy the very conditional criteria for their obviously assumed privilege to report. 
I request you to force the deviant reporting bodies involved to cease reporting at least until data alleged is certifiably compliant to mandates or else eradicate the allegations in permanence altogether! The company refuses to investigate nor eradicate the negative tradeline at all. This company does not have a permissible purpose to report the negative tradeline at all!