23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Adjustments Inc. calls me numerous times every day at all hours for several years, will not state who they are trying to reach or what their calls are in reference to. They call from " dummy '' phone numbers that do not identify who they are, calls have a local ( XXXX, OH ) prefix. Credit Adjustments Inc. is in XXXX OH. They called me today from XXXX, a XXXX XXXX Ohio prefix. 

I do not have any debts other that normal debts such as house payment, auto loan, and 2 student loans that are current on payments. 

Old debts from a XX/XX/XXXXChapter XXXX Bankruptcy were discharged in XX/XX/XXXX after completing the plan. I have no idea if they are trying to collect on an old discharged debt. They refuse to say. 

I do not know if they are trying to collect an old debt because they refuse to say. They refuse to send written information as required by law after 5 days. This has been an ongoing problem for several years with these harassers. 

There is nothing on my credit reports to indicate the possible nature of their continued harassment. The one time I answered the phone and tried to get the woman to tell me who she was calling for and why, she refused unless I gave her my name and SS number which I of course did not do.
Product: Checking or savings account

XXXX IRA 's were purchased from XXXX XXXX Bank XXXX XXXX in XXXX. When the IRA 's were presented for payment Wells Fargo refused. The whole backbone of IRA 's is the basic trust that an institution will maintain accurate records and subsequent disbursement of funds. Wells Fargo broke this trust. We demand Well Fargo produce an accurate value assessment of the IRA 's purchased and a year by year notation of the applicable interest rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiries on my reports. I have tried to contact the companies requesting to verify or remove the information with no response.
Product: Vehicle loan or lease

According to 15 usc 1679a, no violation is to be committed, if so a rescinding of contract occurs. On XX/XX/XXXX I got a loan for a XXXX XXXX at the Toyota XXXX dealership which address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX phone number XXXX. I was to pay an installment loan of XXXX for 72 months if contract wasnt broken according to consumer law. During the first month of the term I read over my contract and noticed the fraudulent numbers on there. The sum of all charges, insurance, and no cash was given in hand for the loan.. They broke the good faith agreement. The sum of all charges wasnt in my car note, and the warranty on the vehicle. I sent a cease and desist letter but that wasnt honored. Constantly harassed to pay the debt but once violated a recision occurs and both parties status go back to what they were previously no contact. With that being said theres a XXXX dollar charge for each violation and I get to keep the property. Contract is voided.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and Transunion regarding their failure to properly investigate a dispute I filed concerning an inaccurate account on my credit report. Despite my repeated efforts, XXXX has failed to conduct a meaningful investigation as required by law under the Fair Credit Reporting Act ( FCRA ). I disputed this XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I sent XXXX XXXX XXXX a cease and desist letter on not to contact me and I will not communicate with any collection agency because they have not sent me the information I asked for such as validation. They are violating my rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to get a loan from these company regards with automobile finance for a vehicle sadly they all turn me down these company states I owe money and has collection s on my name and fact was I filed bankruptcy chapter XXXX and was discharged there for it wrongful these company refused and discriminated me and refused of finance me due to I filed bankruptcy and yet they stated I has multiple collections under my credit score this means they have gotten wrong information when ran my credit score there should not be a denial of my credit regardless due to I am protected under the bankruptcy law they  making up their own wording and stated this and that and mainly they don ; t want to finance me because of my low credit score of 400 or 500 score they think I am a high risk because I filed and has a bankruptcy discharged they made it impossible for me to finance a vehicle and establishing credits for them doing these practice they pretty much saying if I could paid off my collections or debt out there and then they would approved me once again I am protected under the United states bankruptcy law chapter XXXX it is wrongful these company denial my credit applications due of my bankruptcy chapter XXXX has been discharged they only help people and finances people who has no bankruptcy that is a discrimination.
Product: Debt collection

XXXX XXXX, XXXX is reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX  XXXX as the original creditor to TransUnion and XXXX. In violation of FCRA and FDCPA, a Collection should not have a balance amount reported as past due. This matter is inaccurately and incorrectly listed as a collection and also a balance amount past due at the same time. 

I previously disputed this same Collection to XXXX regarding XXXX XXXX, XXXX reporting an erroneous and inaccurate Collection account with a balance amount Past Due of {$1800.00} listing XXXX XXXX as the original creditor. XXXX removed the XXXX XXXX, XXXX erroneous and inaccurate Collection account. 

I hereby further dispute XXXX XXXX, XXXX pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

XXXX XXXX, XXXX is not my creditor. 

I also dispute XXXX XXXX as my original creditor. XXXX XXXX doesn't appear on my credit reports and this isn't my creditor. 

I dispute the entire balance currently and updated balance/ updated balances pursuant to FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). Pursuant to FDCPA Section 809. Validation of debts ( 15 USC 1692g ) requires validation of debt before reporting information on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX XXXX  # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years. 

15 U.S.C. 1681s-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: Credit card or prepaid card

Due to my corporate credit card, I am eligible for {$150.00} credit on the annual fee of my American express platinum credit card. I realized that the corporate card wasn't linked to my platinum card and have reached out multiple times via chat function in the American express app to get it linked and promised numerous times by the company it will get done. The following times I had a conversation : 1 ) XX/XX/23 : Requested for the {$150.00} credit and read terms and conditions and approved 2 ) XX/XX/23 : Followed up and told it should take 6 weeks 3 ) XX/XX/23 : Followed up again after 6 weeks and was told they don't see the update. The fact was alluded, the previous times I reached out it never went through by customer service. The update will be made manually. Terms and conditions were again asked to be approved. I was told 2-3 weeks will take place. 

As clearly stated, the customer service and AmEx team has completely failed. It has been almost three months asking for this update. I feel very disappointed how much annual fees I pay and service the company is providing.
Product: Credit card

I have tried contact the XXXX store on several occasion to resolve issue and to return the item back. They don't have live agent to speak to regarding your concern. Their main communication is through chat. It takes a chat agent long time to respond. You can be waiting for hours just to have someone respond. 

I contact the Klarna on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX online store. I contact this online chat agents XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The XXXX agents delete my communication that I had in XXXX with them. 

Klarna has not turned me over to a collection agency for XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, KS XXXX total debt XXXX. 

This debt should not have been there if the XXXX would accepted the item back. I contacted them in a timely manner.
Product: Debt collection

The company name is Cashcall they have a 12-year-old dead as if it were only a few years old and a great report and still trying to collect XXXX XXXX  is the collection agency they have falsified documents and dates
Product: Debt collection

reply : i'am reporting a dispute against this company as fraud this account is not my account however it's very much incorrect this info also it's has been many complaints on this company on my credit report on this date XX/XX/2016 with this amount of {$940.00} this action was taken by this company : may action be taken?
Product: Credit reporting or other personal consumer reports

Mid-land appeared on my report with out my written consent I have not done any business with them. I didn't recognize them.
Product: Checking or savings account

XXXX  XXXX took money out of my account via ACH draft on XX/XX/2023. I noticed the money was missing in XX/XX/2023. I called XXXX XXXX and they couldn't help me very much. I tried to get information regarding who was using my account to obtain a XXXX XXXX XXXX  and they won't release the information. I was referred to my, Bank of America and I filed a complaint with them waited 90 days as instructed by BOA and the file was closed. I have called numerous times have told to file a police report, which I did and have been told to speak to XXXX XXXX because they are the ones who drafted the money on XXXX XXXXXXXX XXXX behalf. I still do not have a resolution and I don't have my money. BOA, XXXX XXXX and XXXX XXXX will not provide the ACH form filled out. I just spoke with BOA again and now am being told I waited too long to file the claim in XXXX. I don't check my bank account everyday and I am very disappointed with BOA for blaming me, the victim and I am out {$4900.00}.
Product: Mortgage

My mortgage loan was transferred from XXXX to PHH in XXXX 2016. Prior to the transfer, on XXXX XXXX, XXXX took {$200.00} out of my bank account to cover an escrow shortage. I approved this so that I would n't be making higher payments for 12 months. After PHH took up the loan, they continued to send me statements that did not account for the fact that I had paid the shortage in full. They are double-charging me. I have had 6 phone conversations with them about this over the past XXXX weeks. In every conversation they assure me they will look into this, correct the issue and send me corrected paperwork. In our last conversation, I told them I would deduct from my XX/XX/XXXX and XX/XX/XXXX payments the amount that is a double-charge and they said they will accept that. It is now XXXX XXXX and the issue is still not resolved. The XX/XX/XXXX statement I received yesterday includes the double charge. Today, they told me the issue will be corrected in XX/XX/XXXX. I am out of patience and have no confidence that they will fix this issue. I want it fixed now. I will not pay for something I 've already paid for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX : XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report 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 seven years.

15 U.S.C. 1681s-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: Credit reporting, credit repair services, or other personal consumer reports

TFS agreed to remove inaccurate 60d late credit mark from my credit report. I'm a first time home buyer and notified TFS that I need them to remove inaccurate 60d late credit mark from my credit report as soon as possible in order to get better mortgage rate. I have pulled my XXXX credit report today, on XX/XX/2018 and inaccurate 60d late credit mark is still on my report. I have already purchased my first house onXX/XX/06/2018 and this inaccurate 60d late credit mark negatively affected my mortgage rate.
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 and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately they informed me the that recovering lost funds was impossible and tracking these transactions was unfeasible. The CFPBa findings indicate that Zelle has not only neglected to protect consumers but also has 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 about consumer safety
Product: Mortgage

On XX/XX/2022 I submitted a loss mitigation package to Freedom Mortgage. I was informed on XX/XX/XXXX that the package was missing a copy of my taxes and paystubs for my husband. I called Freedom and explained that the taxes were filed and mailed to the IRS in XXXX and we my husband did not have paystubs because he is self-employed as an XXXX. I was then told to send in IRS form F4506 and my husband 's bank statements showing deposits from work that he'd done. We resubmitted the requested information on XX/XX/XXXX. I called a month later on XX/XX/XXXX, and was informed the loss mitigation case was closed because they needed my husband 's paystubs. I explained to the agent again that my husband is self employed and there is no way to get a paystub and there is absolutely no mention of paystubs for self employed people on their list of documents. My husband also called on that day and spoke with an agent who told them that the package should have never been closed and it was going to be reopened he was told to send over his bank statements and a signed F4506 by XX/XX/2022. We also received a letter with this same information. On XX/XX/2022 we resubmitted and completely new package since the old one was dated XX/XX/2022. I never received any communication from Freedom until I called on XX/XX/2022 to check the status and I was told that the package was with the underwriter for final approval and there was nothing else I needed to do. On XX/XX/XXXX, I received a letter from Freedom demanding the entire past due balance by XX/XX/XXXX. I call Freedom to find out when they sent an denial letter for the XX/XX/XXXX application and they said the " denial was issued in XXXX ' '' What about my XX/XX/XXXX application? So I was told to submit yet another package and we did on XX/XX/XXXX, with all of the requested information, including the tax return and the profit loss statement. I reached out to Freedom on XX/XX/2022 after receiving a letter from a XXXX attorney. I was informed that once again, my package was on hold until they received my husband 's paystubs. I reiterated again that he does not have paystubs because he is self employed and I was told again, that he needed to have them or they would not move forward. My frustration is there is nothing about paystubs in their list of required documents for self-employed. The requirements for self employed people state they only need the Schedule C and Profit Loss Statement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/year> Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

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

Equifax and CFPB are unresponsive to my complaint. I keep sending numerous sets of letters to Equifax so the excuse of we didn't get it '' doesn't happen but then nothing happened. It seems that they tend to ignore the trend and let this account affect my credit score. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please remove the late dates from this account : XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I patiently waited for Equifax to uphold my rights under the Fair Credit Reporting Act however they have failed. The XXXX XXXX listed on my credit report is in violation of my rights under the Fair Credit Reporting Act which states that everything must be 100 % accurate on my credit report. I contacted XXXX ( XXXX ) on XX/XX/2022 at XXXX XXXX, asking them to verify this account and they were unable to do so because there is no record of my full name and SSN. Equifax stated my account was properly investigated on XX/XX/2022 ( see attachment with confirmation number ) but how is this possible when there is no record of me in the XXXX database. I demand to know who Equifax is verifying this information with when they are the only credit bureau reporting this inaccurate information which also shows that the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and Equifax have violated my right under 15 U.S.C 1681 section 602 A that states I have the right to privacy and 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. I am continually penalized by Equifax for upholding my right under the Fair Credit Reporting Act because each time they inaccurately complete an investigation and report this inaccurate information on my credit report it pulls my credit score down by -30 points. Please hold them accountable for violating 15 U.S.C 1681!
Product: Debt collection

Synchrony Bank, acting for JCPenney, claims I have an unpaid credit card debt in the amount of {$47.00} from XXXX XXXX, XXXX - that is NOT a typo, it is nearly 14 years ago. 

Over ten years ago I filed for personal bankruptcy ( XXXX XXXX, PA ) ; I believed all outstanding debts were discharged and all credit accounts were closed. 

In XXXX XXXX ( last year ) Synchrony wanted to collect {$360.00} on that old debt. I emailed and said I did not owe it ; I called and spoke to them, saying there had been an error. I heard nothing further from them until last week. They write that they made " attempts '' to collect this amount, sending additional statements with its accruing fees, that in XXXX XXXX they wrote off the new total of {$540.00} " as a loss due to non-receipt of payment. '' Subsequently, they have reported me to Transunion ( and possibly other credit bureaus ) for " serious delinquency '' and " too few accounts paid as agreed. '' They have ruined my budding positive credit. 

I dispute the original amount - and I am livid over the usurious fees arbitrarily added to that amount when they failed in their duty to contact me so I could resolve this issue in a timely manner. 

In all honesty I believe them to be a debt-collection agency with some pretentious notion that styling themselves " bank '' will garner more results. I find this appalling. 

And I 'm none too happy that I 'm having to spend hours of my time to address this, especially since I think the chances of the compounded error ever being corrected are small-to-none. 

XXXX XXXX XXXX