23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

UPDATE - I NOW HAVE THEIR NAME ( same company as CONSUMER ADJUSTMENT COMPANY but under different name ) : They call every day and even calling family members. I called back asking them repeatedly to STOP calling and they said " This is the United States they can do whatever they want to do. '' They then hung up. When I called back, I got a different person and made the same request to STOP CALLING ME. The person hung up. I called back AGAIN but this this time, I got the same guy who made the above comment. The same guy who said : " Now you're harassing me Ms XXXX '' - which is aburd. All of this is harasment and abusive and tactics to upset the consumer and it was holiday when this took place ( XXXX 's XXXX - XX/XX/2023 ). My mother is 80 years of age and in the hospital and they are even calling HER PHONE number... .this needs to stop now. I believe the company is CONSUMER ADJUSTMENT COMPANY. When I asked them to identify themselves, they said they were XXXX XXXX XXXX OF MEDIATION ( I believe it's just a different name for CONSUMER ADJUSTMENT COMPANY- same company just different name ).. I have good credit with the exception of this OLD DEBT that they said they would not report on my credit report but they did so anyway. I have no medical debt. No student loans. I own no property. I have no car. I have XXXX credit cards ALL OF WHICH are in good standing so I am pretty sure this is CONSUMER ADJUSTMENT COMPANY working with some company called XXXX XXXX XXXX. They need tostop contacting me and my family. They are abusive, they hang up when questions are demanded of them, they talk down to the person and project their own harassment onto the customer as though it's the customer 's fault that they have to call us and our family so much. These people answer the phones with nothing but angry at the onset. Meaning the moment you call them they are already defensive and ready to argue. I have attached the debt I believe they are calling about. A debit they said would never go on my credit report but they lied and placed it there anyway.
Product: Credit card or prepaid card

Citi Cards has been charging me a payment safeguard fee For years when I never signed up for this feature and they have been sued for it in the past for their misleading of customers and fraudulent charges for this service. Their letter to me after asking to hear or see documents/recordings of my enrollment in payment safeguard stated they were unable to fulfill your request to listen to the enrollment conversation and denied reimbursement of the fees. 

I never signed up or agreed to these additional fees and was either enrolled fraudulently or was grossly misled. 

The fees they have been fraudulently charging me equal well over {$1500.00} from XX/XX/XXXX til the end ofXX/XX/XXXX.
Product: Mortgage

The complaint is against Wells Fargo Mortgage Dept. 
I filed for a chapter XXXX in XXXX. I sent money to the trustee for 5 years to make payments to debtors. My lawyer told me to continue to make my mortgage payments, which I did. The first couple of years they took my payment and applied it to my loan then all of a sudden they took my payment but did n't apply it to the loan. When it got to over {$3000.00} I called and ask why this was happening and they said they did n't know. They did go ahead and applied it to my loan and said everything was straight. Everything rocked on like it was suppose to then all of a sudden they stopped applying my payments. They have not applied a payment since XXXX XXXX. They are holding about {$12000.00} and will not apply it to my loan. My chapter XXXX was completed XXXX XXXX. I have called several times trying to find out why they have not applied the payments. They tell me it is being looked into. I do n't know why they would apply then not apply then apply and then not apply. I ca n't file my taxes because my statement for interest is not right. My credit report shows I am not making my mortgage payment each month when in fact I am which needs to be corrected because it is making my credit look worse than it is. They have told me they have been waiting on some kind of release. I called my lawyer and he said they were not included in the chapter XXXX therefore there is no kind of release for them. My lawyer did ask what bank it was and when I said it Wells Fargo he said no wonder. He has had proplems with them before.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/2018, XXXX XXXX  XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$11000.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$2500.00}, XXXX XXXX Balance : {$0.00}
Product: Debt collection

Capital one and their attorney sued me for non payment of a credit card on XXXX occasions, once in XX/XX/XXXX and again in XX/XX/XXXX. After I filed a complaint with cfpb they withdrew suit and gave me a number to call to make payment arrangements as I had requested in XX/XX/XXXX, wanted 0 interest and 5 year payout, they refused to accept a payment plan. I have attempted to make contact on 3 occasions using a pin that was given by XXXX XXXX, and each time was told I have no open account.
Product: Money transfer, virtual currency, or money service

I added money to my mobile Venmo debit card wallet. The funds were entered on XX/XX/XXXX and taken from my bank account on XX/XX/XXXX, the next business day. The funds are still not available even though the company promised access by XX/XX/XXXX, today. This is one example. Every time you send money to the card it debits the next day and holds the funds for days. I understand if this is to protect against fraud or overdrafts but then say that. This appears to me that they're holding the funds and using them for float. I don't want or need a response from this. I'll take my money when its available and never use venmo again but I wanted to warn you about them. Venmo got bought out by Paypal and it has become as difficult to deal with as paypal. Please investigate the reasonableness of their transfers.
Product: Mortgage

I inherited the family home last year when my XXXX passed. I was in process for a XXXX home safe reverse mortgage to pay off his old reverse mortgage, but when the XXXX  changed the rates the company said they couldn't do it now. Then I applied for the home for all state-sponsored reverse mortgage and they said they were declining me because PHH mortgage  stated the borrower is deceased and they don't recognize me as the successor. I provided them with the documentation from the family trust naming me as the successor trustee. I believe that this is them attempting to steal the house out from under me and get three times the money that they're entitled to rather than simply taking the payment from the state program so that I can stay in my home, I do not want to sell I am staying here.
Product: Credit reporting or other personal consumer reports

I sent out a Debt validation letter to XXXX  XXXX XXXX XXXX XXXX XXXX WI XXXX On XX/XX/2023 I sent out a Debt Validation letter by XXXX XXXX mail with return receipt that was received and signed for on XX/XX/2023 by a XXXX XXXX ( Agent ) of XXXX  to validate an account that is reporting on my credit report and I received NO RESPONSE as of this day XX/XX/2023. This account is currently reporting negatively on my credit report as of now. According to the FDCPA this is a violation and I would like a complaint to be filed also have the situation remedied in a timely manner.
Product: Credit reporting or other personal consumer reports

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 EXPERIAN, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Inaccurate Reporting by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN, XXXX XXXX XXXX  I am writing to formally dispute the reporting of a closed account referenced as a charge-off from XXXX XXXX on my credit report. This account is erroneously reported as both a closed account and a past due account, which is misleading and inaccurate. Additionally, I have observed that since this reporting, XXXX XXXX has continuously added an extra dollar to the reported balance, which I believe is both improper and malicious. 

The reporting of this account violates specific provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 1. **Section 609 ( 15 U.S.C. 1681g ) ** : The right to obtain a copy of my credit report and dispute inaccurate information contained within. The continuous addition to the balance clearly indicates that the reported information is misleading.

2. **Section 602 ( 15 U.S.C. 1681 ) ** : The FCRA mandates that consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. A charged-off account should not continue accruing a balance.

3. **Section 623 ( 15 U.S.C. 1681s-2 ) ** : This section requires furnishers of information to provide accurate information, and the failure to report the account as charged off only, instead of as continuing to accumulate a balance, is a clear violation. 

Moreover, my payment history across all bureaus shows inconsistencies, where the account appears to be in collections one month and then reported as an on-time payment the next. Such discrepancies cause further confusion regarding my creditworthiness, leading to potential harm in my ability to secure loans or credit.

Given the inaccurate and misleading nature of these reports, I request that the following actions be taken : 1. **Immediate deletion of the XXXX XXXX account from my credit report. ** 2. **A thorough investigation into this matter to ensure compliance with FCRA regulations. ** 3. **Compensation for the damages I have incurred due to these inaccurate and malicious violations of my rights under the FCRA XXXX ** I have attached supporting documentation to substantiate my claims, including copies of my credit report and any correspondence from XXXX XXXX. Please investigate this matter within the required 30 days and provide me with the results. 

Thank you for your immediate attention to this serious matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We have asked for over 120 days to address the promissory note and there has been no answer. They have violated the Fair Debt Collections Practices Act. They have also violated Title 18 USC 474 by not denying our claims. Silence is acquiescence. The Deed of Trust has unknown names and different dates. These violate Title 18 USC 474.

They have included 3 different investors on 3 different documents. They named themselves an investor but also a servicer. 
XXXX XXXX, XXXX XXXX, and attorney XXXX XXXX XXXX are all involved.
Product: Mortgage

In 2009, XXXX XXXX we unfortunately lost our home of XXXX years to a fire. Within a day XXXX we contacted our mortgage company to inform them of what happened. The representative informed us we would be placed in forbearance. They gave us the run around and we turned to an attorney within a couple months due to going in circles with these people. Over the next XXXX years we fought for payment of the house and personal items. Our attorney asked us for the forbearance letter. We had no idea what she was talking about. The mortgage company, Bank of America, was attempting to take the balance of our insurance money to the tune of approximately {$43000.00}. Our attorney said we should stop the bleeding due to the mortgage company adding up daily charges. The mortgage company said that we have n't made the payments. How in the world in just XXXX months can we owe an additional XXXX $? Would n't they be held accountable for not sending the required paperwork in this situation? I would like to see my $ XXXX plus interest given back to us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed capital one since it appeared again on my credit report again as a charge off and late payments, this is fraud, capital one personally removed it last year due to fraud so it shouldnt off been added back on thats illegal and against fair credit reporting act, I need this removed now since capital one is fraud and I didnt sign up for it and as they see on there records it was indeed removed and Capital one did remove it 1 year or so ago and thej just after that long add it back as charge off that isnt right and against the law remove it now from my credit and block thisninfo
Product: Credit card

I disputed charges on my credit card XX/XX/XXXX with Capital One. It appeared my credit card information was stolen as there were almost {$1100.00} in charges that I had never seen before in a period of two hours on one day. I notified Capital One and spoke to XXXX different people confirming the matter. I was advised I would not be charged for it and the charges would come off my card. They did and a new credit card with a new credit card number was sent to me. The case was then closed. Fast forward to XXXX/XXXX/XXXX and I received adjustments on my new card of over {$1100.00} for those same charges!!! I called as soon as I saw that and after XXXX minutes and no less than XXXX representatives, I got nowhere. I received XXXX different answers and a promise that a manager would call me to resolve this by the next day. No one called. I then tried resolving via online chat to no avail. That rep told me managers do not call customers ... I demanded to speak to their manager via chat who was of NO help. He refused to give me their legal department 's contact information and told me I have to call in ( again ). I told him repeatedly that I do NOT have time to waste another 40+ minutes for their mistake in which they are now reporting that balance to the credit reporting agencies. He would not assist and kept repeating I must call in. I made it very clear I was going to resort to a complaint with the CFPB as I can not repay {$1100.00} that I do not have. I am a XXXX person with medical bills that must be paid or I die. I am devastated by all of this and just want it resolved. Capital One will NOT address the matter. They claim a letter was mailed ... I never got a letter. They will not resolve via phone ... I keep getting transferred or told I need to call back or placed on hold for large periods of time. 

Please help me. I do n't know what to do at this point.
Product: Debt or credit management

My grandfather and I have had the same numbers for 30 years. Someone has stolen our identity and charged a bunch of charges a credit card as well as literally added 3 phone lines and devices racking up a XXXX bill with XXXX XXXX XXXX also there was a credit card opened up in my grandfather 's name that he did not do either. We have reported it and all and nothing is being done. The marketplace insurance also calls my phone literally nonstop from numerous area codes pretending to be someone else and really their just foreigners stealing our information. This is unreal Someone needs to get with me ASAP!! XXXX
Product: Debt collection

Capio Partners, a Debt Collector : Pay {$45.00} to resolve your {$150.00} balance. Call XXXX or goto XXXX XXXX XXXX XXXX XXXX Receive this multiple time a a day all times of the day
Product: Credit reporting or other personal consumer reports

XXXX XXXX is showing closed on my credit report for XXXX, Transunion, and XXXX. 
XXXX is showing closed on my credit report on XXXX only. 

According to 15 USC 1681 ( b ), I have not provided XXXX, Transunion, or XXXX with written consent to furnish or obtain my information regarding XXXX XXXX. As such, their reporting of this information is in violation of the FCRA. 

According to 15 USC 1681 ( b ), I have not provided XXXX with written consent to furnish or obtain my information regarding XXXX. As such, their reporting of this information is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I supplied all three credit bureaus with proof from the XXXX XXXX XXXX verifying that the debt being reported by XXXX XXXX for XXXX XXXX XXXX in the amount of XXXX was not valid and should be removed and despite the written proof from the court showing a balance due in the amount of XXXX and that the eviction was dismissed and balance was XXXX. This item continues to be reported and is negatively affecting my credit. I have contacted the company for assistance and have not received a return call with a resolution. I am requesting that this item be removed as it is not valid or accurate. 

I submitted the proof of dismissal with a XXXX balance to Equifax, XXXX and XXXX on XX/XX/2023 and was advised that it was forwarded to the company for investigation and removal on XX/XX/2023 and today XX/XX/2023 the item has not been removed. Please see attached proof of dismissal with a XXXX Balance from the XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To whom it may concern Im filing this claim to get this account with Exeter Finance LLC removed from my credit report due to the fact that the account has been open for over XXXX years now, I have supporting documents that will show the account was open XX/XX/year>, and per the ( FCRA ) credit reporting agencies should have removed this account from my credit report. Once again this account is with Exeter Finance LLC. And my account number with them is XXXX. Thank you for your time and I appreciate if this is done as soon as possible.
Product: Checking or savings account

I opened a XXXX XXXX XXXX Account using a unique link provided to me by another customer. Use of this link was meant to provide me & that other customer with an increased interest rate. 3.5 days after opening the account, I called XXXX complaining the rate had not been applied. Customer service refused to take any action because I was outside of a XXXX hour window. They did not provide me with the policy that stated I had a XXXX hour window to complain. I elevated to a CFPB complaint. After much back and forth, including a confidential call with the person who sent me the referral link, I eventually received a call from XXXX IT saying that I did not use the link to open my account. When I reiterated that I had, and that I had clicked on the terms and conditions during the process, she said that perhaps clicking on the terms and conditions had taken me out of the linked portal. 

XXXX then resolved my CFPB complaint with the response that I did not open my account using the unique link. I did follow the unique link to open my account. If features of the XXXX website cause customers to be taken out of the unique portal, this is an issue that XXXX should resolve. 

I followed the unique link sent by my friend, but there was nothing in the XXXX account to indicate when I was " in '' or " out '' of the portal, and I had no way of knowing that XXXX would refuse to apply the advertised rate to my account. 

The IT rep I spoke with additionally advised me that many people face similar issues, and that her personal advice is that everyone call customer service immediately after opening their account to avoid missing out on the advertised interest rate. This advice of course could not help me, since I had already been denied the rate. There is nothing on the account opening page advising consumers to call customer service to ensure that they receive the advertised rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following unauthorized inquiries from my Transunion credit report : XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XX/XX/2017
Product: Debt collection

I do not owe this company and have no dealing with this company. Company is committing illegal actions
Product: Payday loan, title loan, personal loan, or advance loan

I logged into my Consumer Portal on XX/XX/2024 to check the balance of my loan. 

It showed a pay off amount of {$810.00}. 

I called XX/XX/XXXX and spoke to an agent who quoted the pay off amount as {$810.00}, which I then paid over the phone. The agent confirmed the loan was paid in full and the account would be closed. 

I made a point to pay off the loan prior to the promotional period ending on XX/XX/XXXX. 

I received an email confirming my final payment on XX/XX/XXXX. I checked my balance online and it showed a XXXX balance. 

On XX/XX/XXXX, I viewed the XXXX XXXX, which suddenly showed a balance of {$7400.00} with deferred finance charges and a late fee. 

I called XXXX Customer Service immediately. The first agent confirmed the loan is paid off, but when I inquired about the XXXX XXXX, he remarked, " That's a mistake. Let me put you through to the lady who took your final payment on XX/XX/XXXX. '' I stayed on hold for XXXX minutes, with no answer. 

I called back and spoke to XXXX. I briefly explained the situation and he said, " That's weird. That's a mistake. Let me open a ticket to escalate this and get it resolved for you. '' After several minutes, XXXX came back on the line, and said his supervisor would not let him issue a work ticket, due a payment in XXXX being reversed. 

I reiterated that the agent on XX/XX/XXXX quoted a payoff amount of {$810.00} and confirmed it was paid in full. The consumer is not to be held responsible for XXXX 's accounting errors. I asked to speak with XXXX 's supervisor. He said she was in a meeting and she would call me later. 

I looked in the Customer Portal again after that phone call and saw that the XXXX XXXX was suddenly missing. Every other XXXX is there. I called XXXX Customer Service again and spoke with XXXX. I asked him to please email me the XXXX XXXX, and he replied he'd be happy to assist with that. Then he said, " This is weird. It's missing. Where is it? '' And he put me on hold. When he came back he said that IT would restore the missing XXXX within a few hours. It is still missing. See attached screenshot. 

The manager has not called or emailed in XXXX days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  Opened XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX  Opened XX/XX/XXXX, XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX Opened XXXX XXXX, XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX has violated my rights.

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a claim through CFPB last month and the company responded that the disputed information is not being reported on my credit and it is in fact sill being reported on my credit. 
XXXX XXXX XXXX is reporting a debt owed to the Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX  that has already been deleted from my credit file previously. The statement attached shows that I have a {$0.00} balance with the original creditor it is against regulations for the credit reporting agency to allow anyone to try to collect on a debt that does not exist.. 


Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX