23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2023, Superlative RM contacted me. There has been over 50 phone calls to my place of work as well. On one occasion I was repeatedly threatened with legal action while attempting to verify the alleged debt. On a separate occasion ( XX/XX/XXXX ) the associate I was attempting to speak with verbally yelled at me repeatedly and would not allow me to ask to verify the debt via writing. When I requested verification he continued to yell and refused to provide verification. They have harassed me both at work and my own business after Ive told them to cease and desist and they continue to contact me without verification of the allegations in writing. This has been ongoing for approximately a year.
Product: Debt collection

These collection agencies have affected my credit score with XXXX, XXXX and XXXX negatively adversely. Midland Credit Management, and XXXX XXXX XXXX. They are causing me economic hardship. In accordance with the Fair Reporting Credit Act, my rights been violated... 15 U.S.C 1681 Section 602 a credit reporting system that is fair and accurate to the consumer, and protects the privacy and specifies the permitted uses of consumer information. 15 U.S.C 1681 Section 604 the user must have a permissible purpose that is consumer specific, such as a credit transaction, a business transaction, or a court order involving the consumer who is the subject of the report. 15 U.S.C 1681 Section 623 it prohibits reporting information with actual knowledge of errors and requires notice of dispute and notice of delinquency of accounts. It also allows consumers to dispute inaccurate information directly with the original creditor after completing the process with the credit bureau. Furnishers of information may face civil liabilities for willful or negligent failure to comply with these duties.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the handling of my account by XXXXXXXX XXXX, as well as the inaccurate information being reported to the credit bureaus. Despite my repeated efforts to address this issue, XXXXXXXX XXXX  has failed to resolve the matter and continues to report fraudulent and inaccurate information that violates the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : Failure to Address My Appeal : I contacted XXXXXXXX XXXX to understand why my appeal to correct the fraudulent account was denied. I was informed that the appeal was denied due to a lack of information. However, I provided all requested documentation via fax, including supporting evidence proving the account does not belong to me. 

Inaccurate Reporting : The information reported under the aforementioned account ( s ) is fraudulent and does not reflect any authorized or legitimate activity on my part. Reporting such inaccurate information violates the FCRA, which mandates that all information reported by consumer reporting agencies be accurate, complete, and verifiable. 

Lack of Action by XXXXXXXX XXXXk : Despite my providing documentation and multiple follow-ups, XXXXXXXX XXXX has failed to take appropriate action to investigate and correct the inaccuracies. This lack of response and accountability has caused harm to my credit profile and financial well-being.
Product: Credit reporting or other personal consumer reports

I would like these hard inquiries to be removed i did not give any or these companies permission to pull my report. 

700cr/hillside 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Have tried to close my Regions bank account for over a week. Called again on Saturday  XXXX  and was told it was closed. I check today  XXXX  and voila it 's magically opened again and I was charged another {$8.00} service fee. Called them today and was told that the fee that posted yesterday   XXXX   automatically opened the account back up! I ca n't close because the fee is pending. This is absolutely ridiculous!
Product: Credit reporting

I disputed inquires that was not made by me however i have not heard back from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran my credit report through Experian. I have a credit report lock and no one at Experian called to authorize running a credit report.
Product: Checking or savings account

Bank of America opened an Advatage SafeBalancXXXX Banking Account with confirmation number XXXX at XXXX XXXX  XXXX Application approved XXXX XXXX  XXXX Phone was changed to XXXX and email updated. 

This account was opened fraudulently. Spoke with representative for Bank of America XXXX XXXX  and was reported systems were updated and unable to assist. 

Currently while filing this report I am on hold for approximately 20 minutes to attempt to close account.
Product: Payday loan, title loan, or personal loan

Im a XXXX veteran on fixed income on verg of going through a hardship I pawn my title to pay for funeral they told me they had best and less interest they told my payments would be XXXX a month I told them that was tight I have paid them XXXX they gave me XXXX they change my payments to XXXX a month they say my payoff is XXXX plus I owe for XX/XX/XXXX payment they say I need to give them XXXX to bring current my car need motor work done costing XXXX they people are XXXX  me they don't wan na talk to me can someone please check into this title bucks XXXX XXXX ga XXXX my name XXXX XXXX USA XXXX veteran
Product: Credit card

I made an order to XXXX. was covered by XXXX Bank. Which I did not receive the merchandise. They sent it to the wrong address. I. called them, wrote them letters. I told them I never received it. And why I never received it. I followed all the rules they asked me to go through. And they still are hurting my credit. I told them directly that I am not paying for this bill. And I am disputing it because I never received merchandise. I contacted the post office. and they told me they had put it at the wrong address and the packages were missing. I gave them the account number for the post office and they just ignored everything and keep trying to force me to pay a bill and add an extra charges. every month. But they never did. And the bank is still trying to collect from me.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claim adequately they informed me that recovering lost funds wasnt possible and that tracking these transactions was infeasible. The CFPBS findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams this lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety
Product: Debt collection

My husband and I were faced with financial hardships in XXXX where we were unable to pay among other debt several debts that were referred to XXXX. In XXXX, a family member loaned us some money to try to settle our credit card debts. Some were successfully settled, however, the accounts referred to XXXX. were actively pursued by their debt collectors. When we submitted letters to dispute the debt, we never received any written information, acknowledgment or response. They intimidated us to pay the debt even when we had nothing left except money for food. On some accounts they brought lawsuits, which they knew we could not afford to hire an attorney, nor pay in full. We filed timely answers and also disputed the debts, however, on all occasions the court sided with XXXX. On numerous occasions we tried to communicate with them, and learned that in the process XXXX were not dealing fairly. Through stress, duress and coercion so that we were not dragged back to court due to no income, no gas money, and also times when we were told by XXXX that the account was settled and court was not necessary to attend because XXXX was going to vacate judgment. And we were afraid that we may be garnished with NOTHING TO PAY OUR BILLS! After that incident and XXXX 's repeated threats we agreed to pay {$5.00} to {$45.00} on various accounts. While paying these amounts either by automatic deduction or submitting a payment by check we ran into conflicts between one debt collector and another. My husband was unemployed from XXXX. We tried very hard to make the payments and continued to do so. He got a job and was employed from XXXX. He is still unemployed [ unemployment was only for 3 months ], and all we have is our social security to live on which does not meet our basic necessities. Our main issue to file this complaint now is that we received a letter from a firm named Cooling and Winter XX/XX/XXXX. They claim to collect a debt for XXXX that was " transferred to them by the referenced creditor for servicing going forward ''. OUR COMPLAINT IS : BY WHAT AUTHORITY DOES COOLING AND WINTER HAVE OF OUR PERSONAL INFORMATION? WE DID NOT RECEIVE ANY NOTICE FROM XXXX THAT THIS DEBT WAS TRANSFERRED NOR ASSIGNED TO COOLING AND WINTER. Also the balance claimed we owed on their letter is erroneous. In addition, the address on the letterhead for Cooling and Winters shows the telephone number being the same as XXXX and the address that was used for XXXX and Associates XXXX and Cooling and Winters is XXXX on the same road in XXXX XXXX XXXX. Although there was a return address in XXXX for Cooling & Winter LLC XXXX XXXX XXXX. According to these actions, XXXX and their associates and representatives continue to use deceptive practices in collecting a debt. We will not send payment until we get an all clear from the CFPB on this investigation. Furthermore, on another XXXX account, Cooling and Winter, with no authority given by us, have deducted a payment from our checking account. XXXX CONTINUE TO PREY UPON US THROUGH OTHER DEBT COLLECTORS IN ORDER TO COLLECT MONIES THAT MAY OR MAY NOT BE LEGALLY DUE TO THEM. Please help us!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX Account # XXXX, Account # XXXX, XXXX  # XXXX and XXXX XXXX have 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

On XXXX, I checked my credit report and noticed inaccurate information reporting, so I wrote dispute letters to Transunion, XXXX and XXXX explaining the inaccuracies of the accounts reporting. They sent me letters stating the accounts were verified. I asked them to send me proof of them being verified or remove them because they were reporting differently between all 3 bureaus and they have failed to do so. I've been disputing for 6 months with no results, so I've decided to file this complaint. Because of the inaccurate reporting of these negative accounts, I have been denied credit and it has prevented me from moving into a new house. I would like you all to please investigate this matter. The following accounts that are reporting inaccurately on my Transunion report is : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX account that was removed and then reinserted later on XXXX ), XXXX, and XXXX XXXX XXXX. The following accounts that are reporting inaccurately on my XXXX report are : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inaccurate accounts reporting on my XXXX report are XXXX XXXX, XXXX ( both showing as installment accounts when they aren't ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to inform you regarding of my recent issue of victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Again, please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were being posted to my report. Here is the list of items which were opened without my permission : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Product: Mortgage

I am a Veteran trying to sell my home to another Veteran as a VA loan Assumption. My address is in XXXX XXXX, WA. The loan is currently serviced by CMG Financial and is eligible to be sold as a VA Assumption in accordance with VA guidelines. I am filing this complaint due to CMG financial stonewalling myself and the buyer, both veterans, and their unwillingness to process the VA Assumption within required timelines. 

I formally submitted the Assumption request on XX/XX/2023 and requested CMG Financial send me the assumption package. We never received a response from CMG Financials Assumptions Dept despite our repeated calls and emails over the past several months. In XXXX we finally were given a copy of the assumption package from their third party customer service center. The completed Assumption Package was sent via USPS express mail and it was signed for receipt by CMG on XX/XX/XXXX. After not receiving any response for two weeks, we called and a customer service rep stated they had no record of receiving the package. We then emailed a copy of the Assumptions Package to CMG on XX/XX/2023 and again have not received any response. 

Neither myself or the buyer have received any communication from CMG Financial Assumptions Department after over two dozen repeated attempts and phone calls requesting a response and have been told on every phone call that someone from the Assumptions Department will call us back but they never do. Below is a list of numbers and emails I have used to try to contact them. We would like to know what the status of our assumption request is as our closing date of XX/XX/XXXX is quickly approaching. 

CMG Financial has printed on their Assumption Package Call us anytime if you have any questions about the Assumptions Process, yet they do not provide a phone number to call and all emails are ignored and not answered. All phone calls go to their third-party customer service department, who can not and will not connect you with the Assumptions Department directly . They never call you back. The company does not provide a means to communicate directly with the Assumptions Department at all.

Our buyer is financially well qualified and we feel that CMG Financial is intentionally delaying and failing to follow stated VA guidelines. We have filed a complaint with the Department of Veterans Affairs as well but would greatly appreciate your assistance with this matter. 

Thank you again. 

Very respectfully, XXXX XXXX
Product: Debt collection

In XXXX I was repeatedly contacted by multiple collections companies for a {$360.00} telecommunications bill with XXXX that was incorrectly applied. I closed my account years before and paid all outstanding bills with another company. Almost every time I requested information in writing, they would transfer the debt to another company, meaning a new company would call me. When I did receive records in writing, they did not include all payments that I made. The final time I received a call, I asked for their contact information and the person hung up on me before saying anything else. Unfortunately because this was so long ago, I don't have a record of that call. XXXX, with whom I had my contract, no longer exists, either. However, I didn't hear about the debt again until today, XX/XX/2024 from a company called XXXX XXXX. XXXX XXXX informed me that they " are trying to collect a debt that you owe to Jefferson Capital Systems , LLC. '' I would like to file a complaint against Jefferson Capital Systems , LLC for harassing me, failing to submit paperwork in writing, then passing this claim to another agency. 

Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ). ( 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 XXXX Balance XXXX {$540000.00} XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am among the unlucky people whose information was released in the Equifax data breach. In obtaining my credit reports, I saw that Equifax listed two wrong previous addresses for me - including one in suburban XXXX that was linked to fraudulent charges on my credit card. 
I filed a complaint about the incorrect addresses. 
Somebody -maybe real Equifax maybe phony - sent me a form asking me essentially to repeat that complaint in writing or online. 
The site I was sent to was : XXXX There apparently is no such site. XXXX dubbed it suspicious. 
So I went to the equifax site and found the connection for filing a complaint. 
The site asked for my COMPLETE social security number - the very one they gave hackers - but said I could hide all but the last 6 digits. Despite my choosing that option, they displayed the whole number. 
I tried to remove it but could n't. 
I filed my challenges as directed - one incorrect address, one clearly fraudulent one. 
Then, the site asked me to send a copy of my Social Security number, drivers license or utility bill. 
This is outrageous demand from a company that has ruined my and many others ' financial lives. 
I tried to cancel everything, but the site snatched it away. 
Equifax is not only a stupid company, it 's a ruthless one. 
Please stop these creeps - who incidentally are still hawking their useless security service at every turn - from further damaging innocent people like me.
Product: Mortgage

Fay is trying to force modifications in lieu of simple 4 month repayment - this is predatory and lacks integrity on their pary In XX/XX/2019, my job became unstable and I knew I had to reprioritize pending a new job - during this time - Covid19 hit and I then lost my position - I have repeatedly tried to pay payments to Fay which they refused and stated all or nothing - finally, a repayment was discussed over the telephone and they agreed to consider. two weeks later, their option was a fully new loan/modification - exceeding my original balance 15 years prior and at a higher rate I declined and said I needed only a plan to repay 3 months and get current - Fay is abusing the issue and refusing payments of any kind. They are trying to force a modification or foreclosure - for a simple 3 month late payment.
Product: Credit reporting or other personal consumer reports

I had to hire a credit repair company to work with numerous creditors due to identity theft issue. These creditors were unable to provide valid information and now these accounts have gone to third parties for debt collection. Again I requested validation and have been unable to obtain debt validation. I then decided to reach out to all three credit reporting agencies to inform them of the issue along with supporting documentation. Unfortunately, All I get from the credit reporting agencies are emails stating that the incorrect information would continue to stay on my credit report. I ask that my credit report be corrected. All information has been submitted to them numerous times for each of these accounts. I am at a loss as to what additional information I should submit in order to correct the issue. I am asking for help from the CFPB to correct my information. I have a attached one of the many letters I have sent to XXXX as well as XXXX and Equifax as a sample of the type of information I have requested from several of these creditors. As additional information I have included my CORRECT AND COMPLETE NAME and REPORT NUMBER : XXXX XXXX ; Report # : XXXX
Product: Checking or savings account

On XX/XX/2022, two refunds were posted to my debit card ending in XXXX for the amounts of {$270.00} and {$86.00} from XXXX. The account was closed prior to the insurance of the refund. These amounts would have left a positive amount on my account. Lastly, XXXX verified that Key Bank accepted these refunds and they were successfully deposited.