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

This DISPUTE LETTER is being submitted in light of the recent Overhaul of Consumer Records by the Credit Bureaus. I have recently paid for a copy of my credit reports, and reviewed my credit file, as is being reported with you, and noticed there are several inaccurate accounts and/or items on my report. The below listed accounts were not opened by me, and that I did not profit from these accounts having been opened.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

It is also my request by virtue of the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) that documentation showing evidence of a properly opened investigation of the below disputed accounts be forwarded to me along with any and all responding letters or documents of these alleged creditors. Failure to provide to me these documents along with certified proof of contractual agreements between myself and all of the below listed alleged creditors shall constitute admittance that this consumer reporting agency is reporting inaccurate and unverifiable consumer information and shall be removed and deleted immediately to comply with the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ) legislation.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, do not belong to me in part or in whole. Let it also be noted that I did not give my authorization for anyone else to open these accounts.

They are being listed as follows : - [ x ] XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - [ x ] XXXX XXXX XXXX Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In or around XXXX, 2019 I went shopping for a car from dealers that specifically stated they are a " buy here pay here with no credit check. '' I bought a car from XXXX XXXX XXXX in XXXX, GA and did NOT consent to or sign any consumer/ credit check request form because it was not required. That was the main reason I went to this type of dealer because I did not want anybody running my credit. 
However, a few months ago I noticed a hard inquiry on my credit by XXXX -supposedly conducted for an auto reseller on XX/XX/2019. I immediately called the number listed for XXXX but I could not get anyone over the phone. I kept calling and leaving messages but to date nobody has ever returned my calls. The company does not provide any option to send an email or dispute online. Ii tried to dispute with the credit bureaus but I was told that for this kind of dispute I have to dispute with the furnisher/provider of the information. I went back to the dealer to inquire why they had XXXX run my credit without my consent and they categorically doing that and restated their earlier position that they are a " buy here pay here '' company that does not do any credit checks. I have since tried unsuccessfully to get XXXX to remove this inquiry from my credit.
Product: Mortgage

My parents opened a reverse mortgage with Finance of America Reverse LLC ( FoAR ). Their home was titled in their trust. My father died in XXXX of XXXX. My mother died on XX/XX/XXXX. I am the executor of their estate. 

Upon my XXXX XXXX XXXX, FoAR placed the reverse mortgage in default. 

Complicating the situation is the fact that repairs were necessary. A contractor was retained, the insurance company approved the repairs, and a check was sent to me along with FoAR. I signed the check and sent it to FoAR. FoAR demanded a line-by-line accounting of repairs authorized. This check was for the repairs and ancillary services provided by other providers. The insurance company has provided me with documentation supporting all of the amounts paid on their behalf of the claim. I have forwarded all these documents to FoAR via email. FoAR has not provided a payoff amount for any date, nor have they released the funds to the contractor for their work, nor have they released the remaining funds to me for the ancillary services already paid for. This check was sent to FoAR in XXXX and was cashed by them, per the insurance company. 

Subsequent to this complicating factor, I have requested a payoff amount and date with a denial to provide that payoff amount from FoAR.

I request that FoAR release the insurance company funds that FoAR has already received, to the contractor and me. I am also requesting a payoff balance in a timely manner.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$8300.00} XXXX XXXX XXXX XXXX : {$94000.00} XXXX XXXX  XXXX Balance : {$46000.00} XXXX XXXX  XXXX Balance : {$94000.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Debt collection

Received a debt collection letter for a XXXX XXXX account that is fraudulent. We have never had a XXXX XXXX Account, nor have we ever been associated to the address that the energy account was associated with. XXXX XXXX XXXX XXXX XXXX XXXX XXXX at the time the account service was provided, nor have I ever had any accounts with that vendor. I do not have any business or personal relationship with the owner on record for the property that had this account. I have no association with anything to do with the property referenced for collection.
Product: Debt collection

Around XX/XX/2021 I received a letter from a company I did not recognize that went by the name Monterey Financial Services, LLC. They wrote me saying I have a credit line of {$12000.00} and that payment was due. I do not recognize this account nor do I have a card with this intuition that has a limit of anything. I have sent them a letter asking them to verify this debt and they have yet to respond to me regarding this debt.
Product: Payday loan, title loan, or personal loan

I took the deferment option as identified in the CARES Act. I deferred my payment for 2 months ( XXXX ). I resumed my payments in XXXX and I noticed that my FULL payment was being applied ALL towards the interest. I emailed and called LendingClub for 3 days trying to get an answer. A supervisor tried to explain to me " what they meant '' by the email that I received, however, what the say in the email is the opposite for what they are doing. Below is the section of the email that I received regarding the extended payments : Extended loan term : The term ( length ) of your loan will be extended to account for any deferred payments and interest accrual. Interest will continue to accrue daily on your outstanding principal balance based on a 360-day year, resulting in an increase to the cost of your loan over time. AS you notice, this says that my loan is being extended to account for deferred payments AND interest. So when I asked the lender WHY they are applying my entire monthly payment to interest, they continued to try and explain to me " what they meant by the email ''. Effectively, they have broken the rules and regulations identified in the CARES Act. I AM being penalized to the tune of almost {$2000.00} because they have taken that amount from me and lined their pockets. There are no managers available and only supervisors. I asked for a full financial accounting, they refused. I should not have to pay interest on the front and the back when their email says something totally different. This is putting me in MORE of a bind as opposed to the intended purpose which was to HELP. This has been a nightmare, this company I predatory, they lie and deceive their customers. 

This is and update to my original complaint. In review of my account, this company continues to apply MORE money towards the interest on the account that they should. Even after my payments were restored, they are STILL stealing money from me and this needs to be stopped. My interest payment should be going DOWN, yet for TWO months they stole my entire payment and applied it towards interest and on the THIRD month they continued to take nearly 80 % of my payment and apply it towards interest and that is NOT the intention of the deferment. HOW are you going to let them get away with this? If they are stealing from me, they are stealing from everyone else and SOMETHING has to be done about this. This is crazy that you allow this type of predatory lending practices. And on top of stealing my money up front, you are going to charge me interest AGAIN on the back end. BUYER BEWARE!! LendingClub is a predatory lender, they will steal from you in your face to line their own pockets and they could care LESS about the consumer. They should be sanctioned and shut down for taken financial advantage of people. 

For some reason, this company feels like that dont have to respond to my compliant. I want something done about this predatory organization.
Product: Debt collection

We keep getting recorded calls for someone who does not live here and is not known to us. We have called the number and explained that the person does not live here but the calls continue. This has been going on for months now. I do not have the name of the company but the calls come from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to fix this issue with XXXX XXXX they are reporting a higher incorrect balance than what is owed to the credit bureaus negatively impacting my credit. Also XXXX XXXX when I accepted the covid19 forbearance sent me a letter stating that this would not impact my credit. Although I have never paid my mortgage late at this time my fico for mortgage is XXXX as if I have a delinquent mortgage account. I was deceived by the information they provided stating that they would not impact my credit this is a deceptive lending practice .I have disputed the account several times with Experian they also report false information and do not investigate and correct the matter. I have contacted the OCC and have been advised legal counsel on this ongoing charade and will act if not resolved immediately.I have included a XXXX XXXX  statement with the correct balance owed that should be reporting.
Product: Debt collection

I never signed a contract with Monterey Financial. They threaten to file suit against me. The debt is in collections they are adding interest every month to a account thats in collections and reporting it as late on my credit report. I tried contacting to solve debt by paying they wouldnt accept my offer. The manager doesnt know how to properly communicate. Theyre continuously harassing me calling either to early in the XXXX or to late in the afternoon. I would be satisfied if this debt is removed my account especially since theyre reporting false inaccuracies. If a account is added to collections as a debt that is supposed to be closed but still reporting as late and causing the amount to grow for no accurate reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act XXXX XXXX # XXXX, XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX  # XXXX, XXXX XXXXXXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX  # XXXXXXXX XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions. 

In accordance with the Fair Credit act XXXX XXXX # XXXX, XXXX has violated my rights 15 U.S.C Section 602 A. States I have the right to privacy 15 U.S.C Section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Debt collection

Received continued notices to settle a debt from Northland Group , Inc. to settle a debt with XXXX XXXX Bank XXXX XXXX XXXX, XXXX. that does not belong to me. I have no record of ever opening an account with XXXX XXXX, nor do I owe them any money. I have asked them to stop attempting this alleged debt, and they continue to pursue communication tactics that is against the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the XXXX  data breach, there's fraudulent inquiries reporting on my account. Please remove the following fraudulent unknown and unauthorized inquires on my credit file. 

1 ) XXXX XXXX XXXX XXXX ) 2 ) XXXX XXXX XXXX  ( XXXX ) 3 ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX ( XXXX ) 5 ) XXXX XXXX ( XXXX ) 6 ) XXXX XXXX ( XXXX ) 7 ) XXXX XXXX XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have my name and address reported correctly on my Experian credit file on three separate occasions. The first attempt was through Certified Mail on XX/XX/2022. In this letter I provided my correct name and address. I didn't receive any notice of changes to my personal data on my report. When I pulled my credit report to check for updates I did not notice any corrections to my name and address. Since I didn't see any updates to my name and address I decided to follow up with a second dispute via Experian 's online platform on XX/XX/2022. Experian completed their " investigation '' of my address the same day XX/XX/2022. I did notice some changes but Experian was still reporting my name and address wrong. On my third attempt to have my name and address corrected I provided Experian a copy of my Driver 's License, SSN Card, Rental Lease Agreement, my W2, and a letter requesting correct reporting via Certified Mail with signature request on XX/XX/2022. I pulled my credit report today XX/XX/2022 and Experian is still reporting my name and address incorrectly even after I provided all my personal data.
Product: Debt collection

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be deleted immediately. I also request that PROFESSIONAL DEBT MEDIATION absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

When my daughter moved to XXXX in XX/XX/XXXX, she closed her joint Citizens Bank XXXX   checking account with me and opened a checking account with another bank. 

Citizens Bank XXXX  erroneously kept her account open and over the next several months there were charges under {$10.00} to the account to which Citizens added an overdraft fee of {$20.00} each time. Only one of these were charges that I recognized or from a merchant that my daugher or I regularly patronize. I paid that charge and several others even though each time this happened resulted in a $ XXXX- {$30.00} transfer from her overdraft account to her checking account ( returning the checking balance to {$0.00} ) but then I would have to pay the $ XXXX-XXXX overdraft bill. 

Each time there was a charge we didn't recognize, Citizens 800 number agents would apologize and most promised to close her checking account for real so it would stop happening. This went on for months with me paying about {$110.00} for these charges until Citizens finally agreed to close the account and waive the last charge which was not one we recognized, but then Citizens sent me a collection letter to which I replied in detail and never heard more from Citizens.

As evidence that this matter was resolved and no money is due, I have a screenshot of my daughter 's Citizens Bank Massachusetts account ( on which I am a joint owner ) shows no overdraft balance and a checking balance of {$0.00}. 

Unfortunately, in the meantime Citizens Bank without my knowledge placed an eroneouos overdue account notice on my credit report which has never been removed. This is on my credit report so that ( as I found out this morning ) I am being rejected as a guarantor on my daughter 's pending apartment applications in NYC. 

I have tried calling Citizens Bank MA ( XXXX ) to fix this problem but gave up after 20   minutes on the phone, mostly on hold, without any progress. If Citizens doesn't fix its mistake in the next 72 hours, my daughter may not have a place to live on XX/XX/XXXX. Help!
Product: Payday loan, title loan, or personal loan

Service Finance are liars and are charging me interest on my HVAC loan and I am not 30 days past due. On XX/XX/XXXX they charged me {$57.00} in interest. On XX/XX/XXXX they charged me {$93.00}. I believe on or about XX/XX/2019 they payment system fraudulently took {$320.00} from my bank account and I only authorized {$160.00}. I filed a fraud complaint with my bank. My bank got my money back. Also Service Finance returned the {$320.00}. I filed the fraud complaint to document their fraud actions. Service Finance was only to return the difference {$160.00} because I was trying to earnestly make my payment. Now they are retaliating against me by charging me unlawful interest! This is an Interest free loan! Also they reported me to the credit bureau that I was late and also classified the loan as Real Estate! This is also another fraudulently activity they have performed against me! I hate these people! They are snake liars!

I want the interest removed from my account it is fraudulent!
Product: Debt collection

Creedence Resource management LLC out of XXXX, Texas claims I owe a debt from XXXX, XXXX,2017. I  do not owe this and they put it this week on my credit report again. They did this once before and removed it. It was with XXXX XXXX out of XXXX XXXX mall in XXXX, California. A dishonest employee used my information to form a false account to steal from XXXX. I never had an account with them. I have XXXX, was homeless and had no bank account to get such an account. Please make them remove it from my credit report. Thanks, XXXX XXXX XXXX. It was only placed on XXXX XXXX credit reporting company.
Product: Money transfer, virtual currency, or money service

XX/XX/year> ( Sunday ) I attempted to transfer XXXX $ from my Venmo account to my bank account. Venmo had an " error transferring '' message. 
I waited until Monday to call my bank, which verified the issue is not on their end it was on Venmo side. 
Now I attempted to call customer service but was unable to speak to a human unless I chose the " fraud '' option. So I lied and chose that option. 

At which time I was told so sorry but I cant approve the transfer and venmo doesn't tell us why. So I ask, ok well how shall I get my money? The Customer service rep. then told me he was not sure, so I then waited on hold for over ten minutes for a manager. 
Still no resolution. If I email I have to wait for a reply, no one helps at customer service, and chat is AI This can't be legal? It's my money
Product: Credit reporting or other personal consumer reports

On XX/XX/24, I sent a dispute letter first class to Experian, XXXX, and XXXX informing them that there are some unauthorized inquiries on my credit report. Furthermore, my information was compromised in the XXXX data breach in which I provided my claim Id. I have since submitted a FTC report to report this. I am attaching my dispute letter as well as my claim ID. These inquiries are to be removed from my credit report within XXXX  days.
Product: Money transfer, virtual currency, or money service

Coinbase allowed virtual currency ( XXXX  ) to be transferred through blockchain to an anonymous address without any warnings that the address was anonymous and not a bonafide financial service.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

{$290.00} XXXX Other by collection/charges {$120.00} XXXX other loan collection/charges {$0.00} pastdue credit collection other loan 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A.section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is u.s.c. 1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than 7 years.

15 u.s.c 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Debt assigned to my account in error. Debt listed in another persons name but assigned to my account. Company say I owe debt but debt is not in my name. Debt is in another person name. Debt is showing owed by a XXXX XXXX. I am unaware of who is this person. I am also unaware of this debt.