23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company Deville Asset Management is trying to collect {$10000.00} from me for a bill they claim I owe. I have written them several letters demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill from Deville Asset Management with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay Deville Asset Management y. '' They sent me a computer printout of a bill, but nothing with my signature on it showing a contractual relationship between myself and Deville Asset Management. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money to them and they have no document bearing my signature wherein I allegedly owe them any money or authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS IS NOT MINE AND THESE ACCOUNTS HAVE A INFORMATION INCORRECT 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 a fraudulent, full ID theft occurred, as a transaction initiated with USAA resulted in a withdrawal from my checking account with XXXX XXXX. 

An amount of {$3400.00} was taken out of my XXXX XXXX checking account. 
The information identified that the amount was taken by someone who gained access to my personal information with USAA. I was sent an alert by USAA, but I did not pay attention to the full information and action necessary on the e-mail. My fault. The perpetrator used an umfamiliar computer and USAA sent me a message, again, which I did not pay the necessary amount of attention to. There was an e-mail telling me that my e-mail address change was being requested. I did not follow the information provided and immediately call. This was a costly error on my part. I was uncertain if the source was real and wanted to avoid a spam occurrence on my computer, or be subjected to a phishing occurrence. So, I simply deleted the e-mails. Wrong action, again.
Product: Debt collection

On a two phone line, receiving a daily morning call in from a Florida based company who is acting like a Collection Agency. 

Receiving Call from phone no. XXXX Company Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX website : XXXX ) This company is acting as a Collection Agency,  but when checked with Florida Attorney General office and Florida Office of Financial Regulation, they do not hold valid license to act as an collection agency. 

( 1 ) We have already notified this company to stop calling but they are not stopping.

( 2 ) On XXXX XX/XX/2016, we have already notified this company by Fax ( XXXX ) and by Certified Mail Letter ( # XXXX XXXX XXXX XXXX XXXX ) to stop calling and provide supporting documents and evidence for any claim they have. 

But still this company is keep calling and also sending threatening collection emails.
Product: Credit reporting or other personal consumer reports

XXXX XXXX # XXXX INACCURATE LATE PAYMENT REORT REPORTING TO MY CREDIT REPORT FOR XX/XX/year> XXXX
Product: Credit card

The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter to ask the further information to support the dispute ; however, there is no indication of claim number. Therefore, I can not send any information regarding the claim unknown. The information is supposed to be sent to XXXX XXXX XXXX, XXXX, XXXX  XXXX. 

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

I sent a letter on XX/XX/XXXX to remove these items, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} ; XXXX XXXX XXXX XX/XX/XXXX ; UNIVERSAL XXXX XXXX XX/XX/XXXX ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$860.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting

XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DL Upon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen I have included a copy of the police report attached to this letter I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX. XXXX XXXX # XXXX XXXX. XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX {$270.00} XXXX XXXX, XXXX SS # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2021 at XXXX I received a called from a person claiming to be a Wells Fargo fraud specialist and detected unusual activity. During the call the person on the phone broke into my Wells Fargo online banking and initiated a wire transfer of {$9800.00}. I immediately went to the bank and told them someone is pretending to be me and to stop them. My pin and online account info was changed immediately. During that the time I received a call from an actual Wells Fargo wire transfer team asking me about this and verifying it was me. The bank teller told me not to answer my phone. I feel had I answered my phone I could have prevented this wire from being completed. I was also assured by different bankers that my money would be returned to me. The claim was eventually denied and this person that the bank has knowledge on is still on the streets.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and found that the inquiry on XXXX XXXX was made without my authorization. I am a victim of Identity Fraud. I have no knowledge of this inquiry, and I did not apply for or authorize any credit application with the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the C.L.U.E . 
Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, XXXX, OH XXXX. The following addresses are not mine please delete them : XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX XXXX XXXX XXXX, XXXX, OH XXXX-XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my ID and SS for proof of address and Identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

This report was made as a retaliation because I tried to dispute the validity of the enormous amount of fees I was charged by them. 2 yrs ago, my wife went in today and they told her they reported it and had us both flagged because I was XXXX  and very XXXX  to them.
Product: Mortgage

We had a fire at our home XX/XX/2017 when the insurance company processed checks for repairs they were made out to my wife and I and our lender Wells Fargo, We took them along with the XXXX estimate of repairs to our local Wells Fargo Branch to deposit them.We were told that we also needed a signed contract from our contractor so we obtained that and returned to the bank then were told that we needed to process other bank documents that were not provided to us were told we could n't get them online and yhey would have to be mailed to us by XXXX 5 days later we recieved them we filled them out went back to the bank and were told that the checks along with the documents would have to be mailed back to Ohio to be processed. The bank fedexed the documents and checks for processing three days later we returned to the bank as we were told that all the documents had n't been recieved ( they never contacted us to let us know ) the bank then faxed all the documents and were told they had been recieved and it would take at least 6 business days to process so the funds could be made available. It is now three weeks and we still do n't have access to the funds so that we can pay out contractor for repairs that need to be done so that we can get back in our home.
Product: Debt collection

I disputed an account the showed up on my credit file. It was XXXX XXXX XXXX XXXX. Directly after the dispute the item changed to XXXX. Then when they did not respond the item was removed from my credit file. Neither the original account or the second name of the original account are on my credit file. I never recognized this item. It is identity theft. 

After the items were removed from my credit file I got a letter from AFS in the mail trying to collect the debt. When I called the company as the letter requested, the person on the phone did not know who consumerfinance.gov was, refused to acknowledge that the accounts have already been removed from my credit file. I tried to explain that the debt his company purchased was not valid. He refused to listen. He offered me no solutions for the hishap. He didnt offer to send a fraud/ID theft package. He also told me the debt was valid, and would n't look into what had already happened. This item is not on my credit file as of yet, and should not be on there. The company needs to stop trying to collect a debt that has already been found to be fraudulent. I tried to included XXXX in this current dispute, but they are still not a valid company with consumerfinance.gov. I included documents to show that cfpb.gov sent it to the regulator ftc, and then the item was removed from my credit file. Please cease and desist any further collection attempts including putting item back on my credit file.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and list of Inquiries 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: Mortgage

Nationstar Mortgage charged me a late fee and reported my payment as late illegally. I have a copy of the cancelled check which shows clearly that my check was received before the late payment date. They refused to remove the late payment and if they reported it to credit bureaus then my perfect payment record is marred by this " late payment ''.
Product: Checking or savings account

Hello, beginning in XX/XX/2021, my PNC virtual spend checking account ending in XXXX began incurring a {$7.00} monthly service fee. Due to a XXXX related injury to my husband as well as my XXXX, in conjunction with the fact that this is not the primary account that my husband and I use, I didn't check my account until about a week ago when I logged on, and at that point realized the account was being charged a fee. I called PNC customer service who advised me that the fee was due to the balance running below {$500.00}. The fee was not something I was aware of, as I opened my account years ago. The customer service agent waived the {$7.00} fee for XXXX and XX/XX/2021, but would not waive XXXX, XXXX, or XXXX. Had PNC sent me an e-mail or called me when my balance reached below the minimum threshold and explained that I would be incurring a charge if I did not deposit additional funds, I would have ensured that there be a minimum of {$500.00}.
Product: Debt collection

I contacted this company to attempt to settle 2 different debts. I attempted settlements and one was not accepted and one was. I made one payment to XXXX XXXX to distribute to the two companies. Later both accounts were still reporting on one of my credit reports. I disputed the reports with the credit companies and they kept coming back unchanged on one of the reports yet was completely removed by the other company. I called back XXXX XXXX to ask what happened. After a conversation that revealed the misdirected payments, I requested they pull my call and review. They never called me back with an explanation of what happened. I then emailed the company to request the same thing. No response. I am trying to do the right things as best I can to take care of it, but then this happens. They are preventing the progress I am making by careless errors.
Product: Credit card

In XXXX of 2024 I was the victim of a scam that I, unfortunately, fell for. I filled a police report and was told that the same scam was perpetrated on others in this area as well. The scam ended up in a {$2900.00} charge on my Apple Card managed by Goldman Sachss. I disputed the charge and provided the police report to Goldman Sachs but they just put the charge back on my account saying that there was no evidence. They have the police report. Ive been going around and around with Goldman Sachs for almost a year now on this matter - disputing the charge repeatedly. Today they out the charge back on my account. 

I note that Goldman Sachs was supposedly fined {$100.00} XXXX dollars by the federal against for improper handling of fraudulent charges and they were banned from issuing any more creasing cards. I can see why they were fined but apparently they didnt learn their lesson. The article about this can be found at this URL : XXXX XXXX XXXX
Product: Debt collection

they call all day every day from different numbers even got to the extent of private calls
Product: Checking or savings account

Fake text sent by citizens. I have never done business with them, and don't have a debit card of any kind. 

This was the message Citizens Alerts : Verify your Debit Card charge of {$53.00} @ XXXX  Reply 'Y ' if it was you else visit, XXXX XXXX XXXX  citizens XXXX. STOP TO XXXX
Product: Checking or savings account

I learned that a family member was inappropriately accessing my checking and savings accounts. 

On XX/XX/2023, I went to the local Citizens Bank branch to close my accounts, and learned that the family member had opened multiple accounts using my identity ( total of 5 accounts ), and for various accounts had changed the mailing address, online banking contact information, and account titling to hide their behavior. 

At that time I reported possible fraud to the branch, requested closing all of my accounts, and correction of my home mailing address. 
I also requested a full history of transactions, including cancelled check images, since the account inception dates ( roughly 2.5 years for all cases ). 

The bank closed my accounts with the exception of a credit account with a remaining balance. I was told the transaction history would be sent to my home address. 

After a month had passed, I returned to the branch and was told that all access to the five accounts in question had been restricted, and was given the name of an individual who was handling the situation ( XXXX XXXX XXXX ). I contacted XXXX XXXX, and was told that the information would be forthcoming. 

The branch contacted me a week later and requested a {$480.00} research fee. I returned the the branch and paid the fee. 

Two weeks later, I contacted XXXX XXXX again, who assured me the information was coming. She was unable to tell me the results of the bank 's fraud investigation. 

On XX/XX/XXXX ( 2 month after the original request ), I learned that the bank had sent information to the incorrect address ( to the address of person I believe defrauded me ). The information that was provided included only 3 of the 5 accounts, and did not include any cancelled checks. 

I reached out to XXXX XXXX again via telephone and email to demand the bank provide the full information for which we had been charged. I have not received any response to date, and no one else at Citizens Bank will discuss the situation with me.
Product: Consumer Loan

I have an auto loan with Wells Fargo Bank. I have made consistent and on time paymets for the past four years. I have always paid more than what my monthly payment was. My loan amount balance is less than {$1500.00}. Over the last three months, my employer was purchased by another organization and they did not want to keep me during the merger. I fell behind on all of my bills but now have a new job and I am trying to get caught up. I am only two months behind on my auto loan. I have explained my circumstances to Wells Fargo on several occasions, but they continue to call me, my new employer, my family members and even former roommates that I have several times a day to collect a debt. Everyday I speak to them, I ask them to please hold off for one more month so that I can catch up on my auto loan. They call from several different phone numbers all throughout the day, even after they have already spoken with me that day. If they reposess my vehicle, I will lose my new job because I will not have a ride to work. I have begged and pleaded daily for the last month for them to please wait until I get caught up, but they will not. Everybody at my job laughs at me because Wells Fargo keeps telling my new coworkers that they arw attenpting to collect a debt, they even ask my fellow coworkers and family members if they will make a payment on my behalf. I just need one more month ro get back on track with my payments but Wells Fargo will not be sympathetic, despite my outstanding payment history. This issue is also occuring with my Wells Fargo Credit card. I have also been charged several overdraft and NSF fees from Wells Fargo drafting my wells fargo auto loan and wells fargo credit card payments from my wells fargo checking account. I have asked them to stop but they say that it will keep drafting. All of my accounts mentioned in this statement are with Wells Fargo. They are completely able to see that I do not have the money in my checking account but will still draft the payments and then charge me overdraft and NSF fees.
Product: Credit card

I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.
Product: Debt collection

Contract Callers Inc. violates multiple laws set forth by Congress regarding the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge-off status ), between the consumer ( myself ) and the person ( Contract Callers Inc. ) making the report. I have NEVER done business with or entered any kind of transaction with Contract Callers Inc. 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( Contract Callers Inc. ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, these misstatements are punishable as perjury under 18 US. Code 1621. Contract Callers Inc. CAN NOT collect on a discharged debt. Attached is Contract Callers Inc. response to my validation of debt request proving the company WILLFULLY misreported ( perjury ) The attachment shows debt has been " charged off '' which by definition of the IRS canceled debt or charge off is INCOME and can not be reported. I did not receive a 1099-C and will report to the IRS regarding this misstatement. Publication 4681- Code G I declare under the penalty of perjury ( under the laws of the United States If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 US C 1001.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wile we were in bankruptcy Wells Fargo listed on our credit report as delinquent with XXXX XXXX credit. We contacted XXXX XXXX and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with wells fargo.Upon completion of our bankruptcy wells fargo continues to refuse to list our mortgage on our XXXX  credit report. It has been more than 2 Years of multiple calls and letters to wells fargo to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only XXXX XXXX who I have contacted and has said its  Wells Fargo Holding our Mortgage data and refuses to release it. This adversely affects our XXXX   credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do