23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been calling the customer service number for Transunion as I was part of a massive medical and financial data breach from different sources. Now, I am sent an email that keeps resending over and over pretending to be transunion phishing for my personal information and credentials. 

I had to block it as it was resending the same phishing email over and over. The live chat has also been compromised as the " person or agent '' claiming to be an agent can not even spell or use proper grammar, punctuation or even ask if I am a man or a woman. 

I have never see this before from an American company. Since Transunion was hacked in XXXX and XXXX I am reporting again they have been hacked so I can not freeze my credit and they even have reverted to using an old address from 3 years ago, when I have updated my address 3 times since I have moved back to XXXX  from another state. That is evidence that Transunion has been hacked. I am reporting this to the federal government too, as by federal law, they must maintain an American phone number for Americans to call and there is not one. This supposed " customer service number '' is not in America, the agents can barely speak even rudimentary English and this is proof they have been hacked as no America company who is supposed to safeguard sensitive data on American credit reports would allow such gross incompetence. 

I will not open any communication via email from anyone now claiming to be transunion and have requested over 40 times to have the customer service number for America. They refuse. So the number is hacked and compromised. XXXX is a fake customer service number that is answered by foreign hackers. 

They keep sending me 3rd party companies too asking me to use them and I will NEVER. Nobody would. My XXXX identified them as spam and fraud. Attached is proof at the phishing from hackers posing as transunion from multiple foreign countries. These are not originating from America. 

So my email, data, credit report, text and all have been hacked as has transunion. By federal law American companies must provide an American customer service number and rep when asked for by an American. I am also reporting their foreign customer service reps can not write, text or spell which no American would trust them over. It is illegal to hire people who can not communicate in the language of the country their customers are in. Transunion needs to be investigated by the federal government for refusing to provide the American customer service number for reps who can write and speak English so we can trust who we are dealing with is not a hacker! I just read online that Transunion was hacked again! So I have no way of knowing it is not a hacker I am dealing with. If you use their live chat, it is so bad, and the grammar and spelling in English is so bad, you can not get any business done with Transunion. This should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows that I had a credit card with SYNC/AMAZON with late payments back in 2016. That is incorrect information.

I currently have another SYNC/AMAZON credit card that is in good stating.
Product: Credit card

My XXXX  XXXX from Wells Fargo was selected for income verification on XX/XX/XXXX, and a letter indicating as such was mailed on XX/XX/XXXX, which I received XX/XX/XXXX. Wells Fargo requested I fax a completed form 4506-C to them, along with XXXX cardholder consents to tax return information, by XX/XX/XXXX. 

However, the letter did not provide critical details needed to fill out that form, namely, whether they were requesting 1 ) form 1040, 1065, 1120, or something else, 2 ) a Return Transcript, Account Transcript, and/or Record of Account, and 3 ) the time period they were looking to verify. Many calls to customer support did not indicate the correct values to these fields, so I ventured to leave the unknown fields blank. 

That unfortunately resulted in the form being rejected, and my account being closed immediately on XX/XX/XXXX, with no opportunity to resubmit a corrected form ahead of the deadline on XX/XX/XXXX. 

Yet it was only after submitting that form incorrectly could customer service representatives see the reason for rejection and inform me of the correct fields to put. Despite my account having been closed, I resubmitted immediately regardless. 

The resubmitted form resulted in a general hold being lifted from my other accounts on XX/XX/XXXX - ahead of the initial deadline - indicating the second income verification attempt was successful. However, because my XXXX XXXX had already been closed, it has remained so, even though I provided every piece of info requested in a timely matter, and all requested info was ultimately processed successfully ahead of the deadline. 


While that is an ordeal and ultimately what got my account closed, I feel compelled to note I had already successfully completed income verification just XXXX month prior, in XXXX- thought that similarly required tons of back and forth and repeated calling. To be selected immediately again just XXXX month later appears to be discrimination, or gross incompetence at best. 

Supporting this is the utter ambiguity both in writing and over the phone in how to successfully satisfy their verification demands. I have now faxed Wells Fargo on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I have clearly done far more than any person could be expected to simply to maintain an existing credit account- which I note was paid off in full.
Product: Debt collection

I reviewed a copy of my credit report on XXXX. The following account was added to my credit file with XXXX HSBC XXXX XXXX, CA XXXXThe debt collector falsely reported their name. 

Section 807. False or misleading representations [ 15 USC 1692e ] ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

The name and address is registered to XXXX a debt buyer. The debt collector claims to be collecting a debt from HSBC. They are not HSBC. 

The debt collector added this account to my credit report on XX/XX/XXXX without sending a written notice. To date, I still have not received a written notice, although the debt collector has verified all attempts to dispute with XXXX. 

Section 1692g of the Fair Debt Collection Practices Act says collectors must provide notice to consumers within five days of the initial communication regarding the debt, stating the amount of the debt, the name of the current creditor, and explaining the consumer 's right to dispute the debt and to obtain verification. Failure to send a 1692g notice, is a violation of the FDCPAThis complaint is for record only as I would like the XXXX, CFPB, FTC and State Attorney General to be aware of this debt buyer and their illegal business practices. They are previously XXXX XXXX and XXXX XXXX. The registered agent is XXXX XXXX. They now go by XXXX XXXX XXXX XXXX, the registered agent is again, XXXX XXXX. Same physical address. 

The debt buyer has violated several FDCPA and FCRA laws : No written noticeFails to identify as debt collectorCollects unauthorized fees, interest, or expensesMisrepresent debt character, amount or statusFalsely threatens illegal or unintended act
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, MI XXXX XX/XX/2022 ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with XXXX  XXXX Bank ( USA XXXX Na over 30 days ago and they have yet to respond to my Affidavit Of Truth, which was sent to them via certified mail. Which they received on XX/XX/21 and they have failed to answer. I informed XXXX XXXX Bank ( USA ) Na that I am disputing their claim. Moreover I requested that XXXX XXXX XXXX ( USA ) Na supply me with copy of the contract with my authentic signature and their authentic signature which makes the contract legal. XXXX XXXXXXXX Bank ( USA XXXX Na never provided a copy of contract with my authentic signature or their authentic signature and continue to report this account to the credit reporting agency. This account should have been deleted off the CRA files. Further more the fair credit reporting act regulates how creditors handle consumers dispute. The statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct. After 30 days have expired if creditor have not completed the investigation the disputed item must be deleted. Finally XXXX  XXXX Bank ( USA ) Na failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a fine. XXXX XXXX Bank ( USA ) NA has failed to show burden of proof 15 U.S. Code 1643 ( b ) Burden of proof In any action by a card issuer to enforce liability for the use of a credit card, the burden of proof is upon the card issuer to show that the use was authorized or, if the use was unauthorized, then the burden of proof is upon the card issuer to show that the conditions of liability for the unauthorized use of a credit card, as set forth in subsection ( a ), have been met. XXXX  XXXX Bank ( USA ) NA has failed to reply to the affidavit, its has been well over 30 days. I am asking that all negative remarks be removed from my credit file which XXXX XXXX Bank ( USA ) NA falsely created.
Product: Credit reporting or other personal consumer reports

The company has inaccurately reported late payments on my account to the credit bureaus. This reporting is entirely false, as every payment was made on time and directly from my bank account without issue. The negative mark is damaging my credit profile and is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate reporting. On XX/XX/year>XXXX  I contacted the company to dispute the incorrect information and requested that they immediately correct the error. Despite providing evidence that my payments were never late, the company has refused to remove the inaccurate information, instead claiming that their reporting is accurate. This inaction on their part is unacceptable and has left me with no choice but to take legal action. I intend to file a lawsuit for false reporting and negligence if the issue is not resolved promptly. Additionally, I will seek damages for the harm caused to my credit standing due to their non-compliance with the FCRA. I am requesting immediate action to remove the false information from my credit report and confirmation of the correction.
Product: Credit reporting or other personal consumer reports

The information on the credit report is incorrect. I am a victim of identity theft. I have submitted proof but to no avail.
Product: Debt collection

Original agreement was with XXXX. I purchased a flight that should have been {$300.00}. The company stated the lowest base travel package for a one-way ticket from XXXX XXXX, TX to XXXX SC was {$640.00}. The amount financed through Military Credit Services , LLC was {$1200.00}. {$76.00} per pay period for 23 months. I paid 7 payments of {$87.00} and stopped paying XX/XX/XXXX. In XX/XX/XXXX received a call from collection agency and representative stated I needed to pay them a total of 5 payments of {$180.00} and a final payment of {$160.00} and the debt would be considered paid in full. 1st payment of {$180.00} was withdrawn from my bank account on XX/XX/XXXX with subsequent payments on the XXXX of every month. XX/XX/XXXX a full payment was withdrawn and I contacted first financial ( XXXX ) and spoke with a female and she stated where she seen I made the agreement and the payments and didnt understand why they took the complete payment again. She transferred me to XXXX at Military Credit Services and he stated he couldnt see what was going on so he contacted the original person that made the agreement and she stated now I have to pay the {$680.00} for the debt to be resolved after the other 6 payments already made and transferred me back to XXXX. I told him I wasnt going to pay this and he stated that he just needed a bank card so they wont close the account and put it in collections. I gave him my bank card and they were going to deduct the amount on XX/XX/XXXX. This gave me time to talk to my financial counselor at XXXX XXXX. I cancelled my bank card on XX/XX/XXXX and contacted CFPB XXXX XXXX referencing this account with Military Credit Services and filed this consumer complaint.
Product: Money transfer, virtual currency, or money service

I was charged XXXX for a zelle payment that i didnt intend to do and there was no way of getting it back. I tried calling bank and zelle and they couldnt get my money back
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim Account : XXXX XXXX XXXX XXXX, XXXX/XXXX  XXXX  # XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX # XXXX. To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law.Where there is no fair valuable consideration given, the contract or agreement is void abinto. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors.Dartmouth College v. Woodward 4 Wheat 518 : White v. Hart , 13 Id 646. Once the Creditorwrites off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair DebtCollection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Product: Checking or savings account

I was receiving social security and I was approved for a total of $ XXXX in backpack which was made by deposit but a soc security letter was issued by mail stating the check would be mailed. I only ever received the $ XXXX deposit. 

Also received a letter from soc security stating I would get $ XXXX by check but I got a deposit instead. 

I believe I received another $ XXXX deposit from the AK Treasury and around another $ XXXX. 

I believe checks might of also been mailed in the amounts above where the letters stated they would be but I never received them. 

I received the first $ XXXX deposit and was able to access the funds just fine. 

The $ XXXX deposited and within two minutes was withdrawn or transferred by some unknown party other then myself. I have no clue who it was and Wells Fargo completely denies that the deposit had ever happened when I have " real email receipt confirmation of deposit and withdrawal or transfer 2 mins later ''. 

Another p $ XXXX deposited and went missing. No where to be found. 

There were other deposits that came in that continuously kept going missing. 

I had to close and reopen police 10 diff bank accounts due to fraud and the whole time wells fargo is refusing to credit my account for fraud. They aren't even sending me state mandatory communications in the mail like their policy promises to acknowledge charges being disputed. 

Someone underwrite my account for thousands of dollars. 

They implicated me for coming in to an institution and withdrawing thousands of dollars and my P.O.A. as well who is XXXX XXXX. They implicated her taking out $ XXXX in cash at the bank 1 year or so before the entry was made viewable. I believe XXXX 's, XXXX XXXX 's, XXXX XXXX 's and Wells Fargo themselves are stealing all my funds and underwritting my account. They brought it to a negative standing! 

Wells Fargo on XXXX themselves were refusing me my own $ when the available balance was like {$700.00} to {$900.00} by placing a handwritten negative mark next to where it gives the available balance. 

Wells Fargo has intentionally tried to steal {$200.00} cash at the drive through window. 

I have deposited checks and the $ i deposit just goes missing. They keep sending my inactive debit cards. They allow ppl into my account with the wrong verbal password. Friends of friends always know my balance. 

PRETRIAL ENFORCEMENT AND/OR XXXX XXXX HAVE USED UNDERWRITTING ON MY ACCOUNT TO STEAL THOUSANDS OF DOLLARS. THEY HAVE STOLE PROPERTY, EXTORTED $ BY THREATENING MY LIFE, HELD ME XXXX, THREATENED MY FAMILY MEMBERS AND 2 FAMILY MEMBERS ARE DEAD. 

OFFICERS ARE STEALING TOO AND REFUSING TO TAKE MY REPORTS OR DO ANYTHING ABOUT MY POLICE REPORTS REGARDING THE THEFTS. THEY NEVER FOLLOW UP ON MY REPORTS AFTER ONLINE SUBMISSION.
Product: Mortgage

Im requesting the assistance of the CFPB to investigate SPS for failure to perform under investor- services guidelines and dual tracking of foreclosure. I had communicated with SPS on XXXX of XXXX  that my self my family had came in contact with XXXX XXXX XXXX  and my payment was going to be late due to my illness and the inability to work and generate money. SPS stated they sympathized woth my situation and would place me on a Covid forbearance during this time and once I was able to resume making payments I was to give them a call and they would allow me to resume to make payments. 3 months later I reached to SPS and advised I was ready to resume with my payments but at this point now they wanted me to resumit documents for loan modification review which I did. I sent SPS the following : 3 months bank statements, profit and loss, 2 years income tax, utility bills and faxed and emailed to them. As I called to get status of my review they stated sps was still reviewing my case and they didn't need any documents but that my loan was referred over to the attorneysfor foreclosure I begged them to stop the foreclosureon my home while they game a proper review as they promisedbut they refused i also advised them that what they where doing was illegal under Dual tracking laws of foreclosure but they stated it didn't pertain to them and they didn't have to abide by those rules since my investorwas private. Soon after I was denied for mortgage help and didn't matter how many times I applied or asked the reason why I don't qualify or requested somethingin writing they refused. The only thing an agent told me was since my loan originated during covid times they would not modifymy loan no matter what. I belive SPS purposely offered me a XXXX forbearance knowingthat they where not going to help me afterwards. I've offered them cash to bring to the table in hopes of good-faith offer but they decline it all. I have not been assigned a single point of contact this entire time and each time I call to request status there is no notes and nobody can help me. I've requested for them to place the amount past due to the end of the XXXX on the side of it so I can resume with my mortgagepayments but denial all request I've made. I belive this falls under the predatory lending practices since they allowed me to fall past due so many months by putting me under the forbearance and sps knowing I would not have the funds to repay back this amount. Sps has committed Negligenceand failure to perform under there promises covered under covid.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, hereby declare that the following information is identity theft and is fraudulent, as a result of Identity Theft, as a result of XXXX XXXX XXXX. The derogatory information reflected in my credit report maintained by XXXX under my Social Security number. As a victim of identity theft and the XXXX XXXX XXXX ( XXXX XXXX. XXXX ), I have been impacted by fraudulent accounts and inquiries that must be removed from my credit file immediately. I have informed agencies many of times that the account below is fraudulent. 
Account Name : XXXX XXXX XXXX Account XXXX : XXXX : Balance : {$2400.00} : Opened : XX/XX/year> Your agency has routinely and uncritically accepted the original furnishers response to the above disputed information, even when responses were improbable or illogical on its face. I had no relationship with these entities, nor did I authorize the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 
according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX ACCOUNT ACCOUNT # XXXX