23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Monterey Financial is trying to collect a debt that does not belong to me, I have communicated to ask for a verification of the debt and they did not give me any original document that proves that I have a debt with them.The balance is $ XXXX.Additionally, I reiterate that Monterey Financial does not have a license to collect in the state of Florida.
Product: Vehicle loan or lease

Hospitalized due to XXXX and complicated by XXXX, Was out of work and unable to make payments
Product: Debt collection

This appeared on my credit on XX/XX/2017. I however did not have XXXX at the time. I have tried disputing it and asking for proof etc and they are unable to provide me any. I
Product: Mortgage

I was approved for the Florida Hardest Hits Program after loosing my job two years ago. It has been a complete nightmare. The latest occurrence was when Wells Fargo stated that I should send them {$5200.00}. After I informed them that I could not send by the XXXX of XXXX, because after having to borrow the funds that check had not cleared my bank. The representative stated that should be Okay due to the fact that the quote was good through XXXX. They received my funds on XXXX XXXX. Then turned me down for the program stating that I did not qualify. However, Just after that I received a certified letter stating that they were going to take possession of my property with 60 to 90 days. They stated that they because they had n't received those funds by the XXXX that they have to start over. I received a phone call from my representative from the hardest hit program stating that once again I was turned down for the program. She stated that I do qualify for the program and to fight for it. So I have gone through numerous representative with Wells Fargo. The last one keeps vying more time for Wells Fargo and I am not sure why. It has been two months since they have received my portion of the funds and they have not even issued another quote or requested the funds from the hardest hit program. What I feel is that is when my application for the hardest hit program may expire. I have been approved for the XXXX and with my personal amount my mortgage would be current by now. 
Wells Fargo continues to blame the hardest hit program and the Hardest Hit program tells me to continue to fight for it. 
Its not the first time I have had issues with them. I have supplied information continuously for years. I had a local branch manager to send documents for me and still they cried that never received it. Even he said this is XXXX. I am just trying to save my home. I am a single parent of XXXX dependent children.
Product: Mortgage

I have been working with the Mortgage relief program as well as CrossCountry Mortgage and loss mitigation in order to bring our loan current. We were approved for the Mortgage relief program, and they have released funds in the amount of {$60.00}, XXXX in order to bring out the loan current as of XX/XX/XXXX. However, as you can see from my XX/XX/XXXX mortgage statement, our loan is not reflecting as current, and it is still showing as late. It also states that failure to bring my loan current may result in fees and foreclosure- the loss of your home. As of XX/XX/XXXX, it shows I am 132 days delinquent on your mortgage loan. This is ruining my credit and I have done everything I need to do but if CrossCountry Mortgage does not apply the MSP funds to my account properly then I will continue to appear to be in default. As of today XX/XX/XXXX the amounts applied by CrossCountry appear to only be {$36000.00} and this is not the full amount of {$60000.00} and does not completely bring my loan current. The XX/XX/XXXX mortgage statement that I included shows that I am still {$16000.00} late on my mortgage which is incorrect. I have called CrossCountry Mortgage several times to have this issue escalated and I have not had a resolution. The XXXX has also closed out a previous ticket ( complaint XXXX XXXXXXXX ) I had regarding this matter because they had promised to resolve it.
Product: Credit reporting or other personal consumer reports

I XXXX, XXXX XXXX Attorney in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EQUIFAX, INC through the CFPB about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : 1.Settlement Offer 2.Civil Cover Sheet ( dated XX/XX/2023 ) 3.CAF via IRS, Power of Attorney, Fee Schedule 4.CFPB case numbers, EQUIFAX, INC consumer report date and confirmation numbers 5.Bill of Particulars 6, Passport Card ( Identification )
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681d, as a consumer I did not receive any disclosure about a consumer report being furnished on my behalf from XXXX XXXX  or Equifax. I did not give any verbal or written consent for either of them to share my non-public information and furnish a report when according to 15 U.S.C 1681b they are allowed to furnish a report in accordance with the written instructions of the consumer to whom it relates. I did not even receive disclosure to opt out of a credit check when applying for XXXX  years ago, this is identity theft and and by law these are completely inaccurate and unfair and goes against what the Fair Credit Reporting Act is. Please get them to remove everything as this is indenting theft
Product: Credit card

Hello I am disturbed by the fact that JCPenny did not tell me that the interest rate was over 31 %. This is an out right robbery and, although I tried to absorb the amount onto another credit card with a no interest or lower interest rate I was not allowed to do so. Finding out today XX/XX/XXXX about this is very upsetting to me.The person I spoke with stated it was according to the FTC. I did not agree. I hope this can assist me in having this company lower the interest rate. Thank you
Product: Vehicle loan or lease

I am reporting this len der ( American Credit Acceptance LLC ) for Usury, concea lment of documentation, and Deceptive/Fraudulent Lending Practices. On or about  XX/XX/XXXX  I purchased a car at the  XXXX   XXXX   XXXX . The lender wa s American Credit Acceptance LLC. T he interest rate on the loan was 28 %, however the dealership explained to me that I could always make a payment to Principal only in order to pay the loan down faster. In the following days I spoke with  American Credit Acceptance direc tly and asked them about the terms of the loan and also if payments could be made to Principal only. They confirmed to me over the phone that Principal only payments were accepted. From this point I have always paid the car note on time using their online payment system ( which charges an abusive and additional  XXXX  dollars per month to use ). On  XX/XX/XXXX  I calle d American Credit Acceptance to  ask again if I could send a payment to Principal only and was informed I could. I then mailed them a {$7000.00} cashiers check from my credit union with the words " Principle only '' plainly written on the check. The payment posted to my account on  XX/XX/XXXX , but to my dismay they took interest from the payment. I immediately called the Lender to voice my concern but was told sternly that no matter what they had told me before, they would not adjust the payment because they do not accept Principal only payments. That same day I received a return call from the lender acknowledging that they had previously told me that the accepted Principal only payments, however regardless of their previous statements, they no longer accept them. Upset, I contacted the  Dept. of Consumer Affairs who then referred me to the State Dept. of Business Oversight. The DBO ex plained to me that this lenders license, number  XXXX , was revoked in the State of California on  XX/XX/XXXX   ( n early 1 year before I signed the loan contract ). For these reasons I contend that this is a fraudulent loan established on deceptive terms at an interest rate that amounts to usury in t he State of  California. I have been diligent to keep up with these abusive payments and my credit worthiness is at stake. I believe this company is deliberately making the repayment of this loan through excessive fees and a loan shark interest rate oppressive to myself, a vulnerable borrower. I am concerned that this unlicensed lender may have many other victims in the state of California.
Product: Credit card or prepaid card

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

2020 Sam 's Club Synchrony Bank MC. All account balances due have been paid in full as of XXXX XXXX 2020 On this date a balance of {$990.00} was paid in full prior to the due date of XXXX XXXX 2020. A new balance for {$28.00} is due for XXXX XXXX 2020. Two calls were made to identify why a new balance issued, in the amount of {$130.00} is due, rather than the new transaction balance of {$28.00}. No one with customer service or management is able to identify the transactions totaling {$130.00}. Have spoken to both. Our account activity shows the new amount of {$28.00} with all previous transactions being a negative and included in the payoff amount of {$990.00}. There has been no proof given us to have a new balance in the amount of {$130.00}. Any transactions totals given do not add  up to it and they are pulling transactions from as far back as XXXX. Doesn't make sense to us. We also worked with the transactions to no avail. We don't want to become victims of overpayment. Perhaps we've already overpaid and there could be money due us. Our hard earned and retirement dollars were accepted for payment and no one has been accountable for the totals to add up correctly. As far as we can tell we owe {$28.00} because all prior monthly billings were paid in full. Why should we pay {$130.00} when it's just not adding up with any of our transactions. Elder laws apply to us and we are making every effort to be responsible and accountable for our payments due. We are on a fixed income. We served this country for thirty six years with XXXX XXXX and XXXX XXXX XXXX  as a XXXX  of XXXX XXXX and with other significant XXXX XXXX XXXX. Our integrity and services are a Big Deal. Put life on the line so many times and lucky to be alive. We don't file a complaint unless we see the need for attention to fix the problem, which obviously is lacking. We hope this message will receive the attention it deserves. It also appears to be a fault within the billing system that no one can explain.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

The XX/XX/2016went to XXXX & XXXX to help with the process of purchasing a property which I believe was a nice price at the time. So I went through them for the purchasing procedure and was mislead my XXXX XXXX started with and XXXX when applied for the purchasing agreement then my score started going on down drastically found out that XXXX & XXXX kept pulling hard inquiries own my credit report. Now I could not qualify because they're practicing predatory lending.
Product: Vehicle loan or lease

I, XXXX XXXX, applicant, dated on XX/XX/2023 went to car dealership at XXXX XXXX XXXX XXXX XXXX, Florida XXXX. However, XXXX XXXX XXXX XXXX, has failed to comply with the Equal Credit Opportunity Act. In addition, I was not able to get the Auto loan. I have reasonable cause to believe I was discriminated. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently, got an alert of a hard inquiry that I never authorized. 
1. ) XXXX/XXXX XXXX National Credit Cards/Airlines ( XX/XX/2019 ) I called XXXX/XXXX XXXX corporate office. I was informed by a representative that my information was not in there database. Meaning that I didnt tried to apply with the company. The representative also mentioned that National Credit Cards Airlines dont exist in their company. The representative informed me that credit karma was at fault for the miss information. I was advised to contact credit karma to sort out the miss information from their database. I emailed credit karma but they emailed me back saying to dispute the hard inquiry with XXXX credit bureau. Which, I really cant dispute a hard inquiry, with XXXX credit bureau, unless XXXX/XXXX XXXX directly sends a dispute on my behave. I remind you XXXX/XXXX XXXX   doesnt have my information because I never applied and they dont provide National credit cards Airlines because that doesnt exists in their company. As stated previously, I just need someone to correct miss information from my credit report. 
Thank you for your Cooperation. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have had multiple issues with my closed account with XXXX XXXX. I held my account with them for 30 days, in these 30 days, I closed my account. Account # XXXX was closed on XX/XX/2018. At this time all balance amounts were paid for the 30 days I held service with the company. 
On XX/XX/XXXX, I received my first invoice from XXXX on my closed account stating I owed a balance of about {$360.00} dollars for un-returned equipment. I called the customer service line and they let me know it would take a month to process that they received my equipment and to update my account. Every month after that I kept receiving a balance of {$110.00} due. I kept calling to dispute this amount and was assured this was an error on their system and they would fix the issue. 
On XX/XX/2018 I received my final notice for the amount of {$110.00}. I called customer service, which sent me to billing. Billing let me know that they no longer could help me because my account was closed and that I had to work with their collections department. My account was closed since XX/XX/XXXX and this was the first time I was told this by the billing department. They sent me over to collections, whom told me it was up to billing to change the issue since collections had no information on the missing equipment. I was receiving no mercy. Finally, I called the office of the president to dispute that this issue has been ongoing since my account. I was given reference # XXXX for this dispute and was told it would be taken care of. 
I have since received the message from XXXX XXXX XXXX saying if I do not pay the amount it will affect my credit. I am again, disputing this collections reference. 

I have attached the proof that the equipment was delivered to the address XXXX XXXX XXXX XXXX XXXX, IN XXXX and delivered to their delivery dock and signed off by XXXX.
Product: Checking or savings account

On XX/XX/XXXX, I paid {$1200.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$900.00} ) with my Capital One debit card. While the merchant provided some services ( XXXX XXXX XXXX XXXX XXXX XXXX, they failed to deliver the coaching services, which constituted the bulk of the package and justified the fee. As a result, I have been requesting a partial refund of {$600.00} for the balance of services not provided. Since filing my dispute on XXXX XXXX XXXX XXXX XXXX  ), I have submitted the same detailed Claim Response to Capital One five times, containing over 50 pages of irrefutable evidence proving the merchants failure to provide services as agreed. Despite this, Capital One has denied my claim six times without reviewing my documentation and relied exclusively on the outdated and insufficient documentation submitted by the merchant on XX/XX/XXXX. After each denial, I called Capital One to confirm whether my Claim Response documentation was reviewed. Each time, I was told, We do not have your documentation on file and it was not reviewed prior to our decision. This repeated admission demonstrates a complete failure to process my claim fairly. The Claims Processing Department has ignored my evidence and repeatedly denied this claim based solely on the merchants inadequate submission, which DOES NOT address the core issue. Moreover, the merchants documentation is redacted and illegible. I have spoken with multiple representatives and supervisors, 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  Capital Ones mishandling of this matter has caused stress and withheld {$600.00} owed to me due to their lack of effort. Lastly, I filed a complaint/claim with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - ( nearly 30 days ago )- and STILL no reply from Capital One! I demand that a competent corporate supervisor reviews my claim, examines the attached documentation, and issues a refund of {$600.00} immediately. 

**Details of the transaction and evidence are included in the attached Claim Response. **
Product: Debt collection

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

After sending several requests for validation for this debt in writing beginning in XX/XX/XXXX, the company then deleted the item. However, months later, they would illegally re-insert the item to credit report again. This has happened at least four different times. The most recent being XX/XX/XXXX sending a debt validation letter only to have them once again illegally add and report he information to credit reporting agencies again in XX/XX/XXXX.
Product: Checking or savings account

I saw a charge to my account for {$200.00} to a mechanic for groceries. I disputed the transaction and they denied the charge back saying it was from a device in my possession but it was my ex boyfriend that did it to steal money from me. My phone was missing for 5 days then showed up on my porch. I told the bank that and they denied it anyway.
Product: Debt collection

On or around XX/XX/XXXX I was first contacted via telephone message which was orignially left with my mother XXXX XXXX at an address and phone number I have not been associated with for well over ten years. In an effort to find out what they were attempting to make contact with me I called the number provided. 

I was informed in a brief conversation from an employee at Rash Curtis & Associates that I owed on a debit in the amount of {$9700.00}. Before I would allow the associate to go anyfurther I demanded a copy of the debit and alligations be sent to me for my review. 

Approximately one week later I recieved an Account Statment issued by the Debit Collector outlining a debit for XXXX on or around XX/XX/XXXX some eight years after the original claim. Knowing I never had such an account I sent the matter over to my legal counsel for review and guidance on the set forth matter. 

According to my legal counsel he first started by contacting the named Creditor : XXXX. only to be instructed that the account in question if was valid had been archived due to the age of the claim. Secondly according to the information availiable the bond in question was exonerated on or around XX/XX/XXXX by the creditor. With this information we contacted the CA Insurance Commissioners Office in XXXX who notifed us that bonds can not be collected on if in fact they were exonerated. 

Moving forward, upon the review of the file it was determined that the bond inquestion was written for a person holding the same name but never varified or authenticated. 

Upon receiving this information and within the orignial 30 days of notifciation by the FCRA I notified Rash Curtis and Associates of our findings along with forally notifying the copany of the dispute based on account not validated as to belonging to me, lack of proof provided by Rash Curtis, and I demanded prooof be supplied with thirty days of the letter providing contrary proof of the claim. I also instructed Rash Curtis & Associates all sent VIA US Mail with a signature guarantee to stop contact and all correpondence must be initated via US MAIL. 

Subsequesntly for the next sixty days I fel the matter in question was concluded until I started receving call and call at home, work, my cell phone, and family members all starting on or around XX/XX/XXXX to present. In addition to the flagrant disregard for the law I received an email and was provided a copy of a recent credit inquiry Rash Curtis & Associates rendered on XX/XX/XXXX without my consent or any prior business relations with to show cause. 

Despite my continuous efforts and a compelling paper trail supporting this false claim Rash CUrtis and their associates continue to flagrantly break laws in an effort to bully consumers on a zompie account which has exhausted it CA Four year statue of limitations on collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquiries on my credit report and XXXX XXXX, experian and XXXX want delete them. They are 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 XXXX