23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( 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 accounts below : XXXX XXXX XXXX Balance : {$290.00} Chapter XXXX Bankruptcy XXXX Balance : {$0.00}
Product: Checking or savings account

Wells Fargo opened multiple checking, savings account, credit card, or line of credit under my name without my consent, or submitted an application for a checking or savings account, credit card, or line of credit without my consent. I opened a checking na account for the first time on XX/XX/year>. Being a XXXX underage, inexperienced person, they took advantage of me. They took every penny I had. I worked at XXXX, and was dealing with my parent 's divorce, Wells Fargo had to add on and take every penny I had under these illegal unauthorized accounts. As a Wells Fargo consumer who was immensely abused by the tactics Wells Fargo used, I demand a compensation. Wells Fargo assessed fees for Overdrafts on consumer debit card purchases and ATM withdrawals at the time that the transaction settled, even if I had enough funds available in their account to cover the amount of the transaction at the time, they made it ( transaction authorization ). Overdraft fees charged debit card purchases and ATM withdrawals as Authorized-Positive Overdraft Fees. I have additional documents to provide showing proof of fraud committed by Wells Fargo.
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXXXXXX. XXXX - XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/2016 15 U.S.C, 1681section 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 an 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 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

XXXX XXXX  XXXX XXXX. Reported an incorrect Derogatory mark on my Credit Report. Which they claimed that was obtained on XXXX XXXX and the companys name is XXXX XXXX! XXXX XXXX  XXXX Also claimed in the report that was sent back to me by CFPB that they have never spoken to me before. And they sent out a letter regarding the accounts on XXXX XXXX. To my home address and I have yet to receive anything from a business called XXXX XXXX  XXXX. Especially if its regarding a loan they are insinuating I owe them or XXXX XXXX, yesterday I reached out to XXXX XXXX  directly and was told by a representative that They dont have any information on file that states I owe them money but XXXX XXXX  XXXX stated that I should reach out to them to give me more clarification. 
But if theres a loan open XXXX XXXX  XXXX havent reached out to me? Since they obtained the accounts in XXXX we are in XXXX. They should have all my details to reach out to me and talk to me about the accounts I supposedly open. 

Could it be that they dont have my number? Or they dont have documents of my signature on the loans. But they reported it on my credit report that I XXXX owe them money. But they havent reached out to me. Why is that. Its unprofessional and very unethical to not speak to someone about an account that was open using their information.
Product: Mortgage

When XXXX hit in XXXX of 2020, SPS offered deferment. I accepted it, as my hair salon business revenue went to zero overnight. Once deferment was up after XXXX  days SPS did not offer me any options but to pay the last three months and current month. That was no possible due to loss of income due to covid. I called SPS and they suggested I apply for mortgage assistance/ modification. They said i was a perfect candidate and not to worry. we began this mortgage assistance around XXXX of 2020, I was very prompt in getting the required documents, however SPS seemed to either struggle with understanding the process or dealing the process with asking question over and over that had been answered in documents or on phone with a rep. SPS has denied me mortgage assistance for the second time, they say I do not have enough net income for repayment, that is not true. I have offered to pay {$50000.00} upfront and begin a XXXXmoth repayment. 
They also say the protection time for being impacted by covid has passed. How has it passed this review was opened in 2020 and from what I have witnessed SPS has delayed the process. 
My home is very important to me, I tried to begin paying in 2020 however I was not allowed due to being in default, I was in default because SPS offer me deferment then asked me to apply for mortgage assistance. 
SPS has not acted in good faith in this process, they have delayed the process with elementary inquires. It could be the investor not the mortgage management company SPS, who ever is at fault for causing this process and or review to take over 3 years has not treated me fairly. 

All I want to do is pay my mortgage, come up with a resolution so that I can get current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 

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 I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

received a letter in the mail from XXXX debt collection company saying I owe PayPal XXXX I don't have a paypal account i never created one a few months ago i had an identity theft case started my mother and sister stole my information and got stuff in my name i currently have a lawyer helping me with this but i would like to know what is this for.
Product: Debt collection

Today, I have a recording from a vendor of yours that was beyond horrific. I have the recording on my phone and can forward the copy over. I am going to the news and am going to play this audio that will impact Ace and its customers drastically. Let me rewind this for a second, Yesterday my sister and mother called me telling me that someone was calling them blocked and promised them that I was going to get arrested today. They were harassed by an XXXX number and were called over 5 times a piece within a one-hour window ... They told my family they worked with the authorities. ( Which is a crime to impersonate an officer ). In addition, they got called by multiple different numbers and blocked numbers from the same person. I was at work and my XXXX XXXX XXXX to cause me to almost have a XXXX XXXX. This morning, I called the number back and have the full recording on my phone that is a little over 15 minutes long. The female who answers the phone told me that processors were trying to find me and that they had no control over how many times they call people. They admitted to breaking a couple rules here and there but stated it had to be done to collect on past due customers. I requested to speak with a manager and or legal team to report the harassing phone calls to my family and myself. ( Mind you- every phone call can result in thousands in fines per the FDCPA Act ) I was transferred to the owner who told me he was an attorney and he began to call me names and called me a loser! I told him that he was breaking laws and he said this was past the collection stage so that he could talk to me in whatever manner he wanted to. The way Ace allows vendors or third-party agencies to treat their customers is beyond unacceptable. I am going to contact the CFPB, the XXXX, The federal trade commission and post blogs on social media to create a class action lawsuit. There is no way a vendor or third party agency should be above the law and not held to the same standards as other companies. Who is ACE contracting to collect on their loans? Why does Ace treat their customers so poorly and believe that this is acceptable? Please have a member of Legal reach out to me by end of day tomorrow or I will contact my attorney and put together a class action lawsuit. I live in XXXX so I have no issue walking the call down to any location so that this person and company can be taken down. I have a serious medical condition and I might have to be admitted into the local hospital along with my family members. This company XXXX XXXX or XXXX XXXX is used and backed by ACE to treat its customers like trash while breaking laws. Ace needs to be held accountable for all of this. Contact me by end of day tomorrow or I will reach out to the media and play the call on live TV. I typed the number they called in from in XXXX and other customers are getting the same response. Let me know what email is needed to forward the call over. I have screenshots and can prove this company was hired by Ace.
Product: Credit reporting or other personal consumer reports

I was looking for houses to rent on XXXX XXXX  and I got some inquiries back stating that I needed to do a credit check so I put my information in and I pay the {$30.00} I was asking for a refund never heard anything back they were also trying to scam {$45.00} off of me to reserve the timeframe to come look at the house. I dont know if I need to post a link to you guys I had to cancel everything I put a block on my debit card I am worried that my information is not safe and Im unsure as to what to do.
Product: Checking or savings account

My brother, XXXX XXXX XXXX  on XX/XX/XXXX. His wallet was stolen on XX/XX/XXXX. I spoke to Netspend in XXXX to inform them of my brothers death and his wallet being stolen. I could not do anything until his death certificate was issued. 

When the death certificate was issued, I contacted Netspend on XX/XX/XXXX. I was informed what information needed to be sent to them, I was given the case number and I would hear from them in 10 days. I sent in my brothers death certificate, a copy of my passport, a picture of me holding my passport and an additional document that was not required, Affidavit of collection of Personal Property to show that I was his sister. 

XX/XX/XXXX I called Netspend to get and update. Yes they received the documentation I sent. They need a few more days with their investigation and to please call back on XXXX. Unable to understand the gentlemans name. 

XX/XX/XXXX I call Netspend. This time I am informed that there is {$0.00} in the account and nothing owes to me. I said that his wallet had been stolen on XX/XX/XXXX. He got his XXXX check on XX/XX/XXXX and another one was deposited a couple days later. I know for a fact there was money in the account. I need to know the transactions that happened after he died. I was told that I was not privy to this information. They didnt care if I needed it to be able file a police report. Because I didnt know the answers to his secret questions nor his card number, even though I proved I am next of XXXX, they told me to get power of a attorney however they did not know how I was going to get XXXX XXXX to give me power of attorney. I did inform them, that I know, that there should be a couple dollars left if funds were with drawn as there is no way to get an account to {$0.00} by using an ATM. 
I ended the call.
Product: Credit card or prepaid card

In XX/XX/XXXX I discovered my credit score dropped significantly. I checked my credit report and it showed that on XX/XX/XXXX my e-mail address was compromised. On XX/XX/XXXX there changes made to my SSN information. 2 false addresses where added and there was an initial added to my full name. On XX/XX/XXXX my e-mail address was compromised again. 
Sometime between those dates, without my knowledge, Synchrony bank upgraded my existing Care Credit card to a XXXX. That card was sent by the bank to the unknown address in XXXX XXXX. I never received this card since Ive lived in XXXX NV since XX/XX/XXXX. 
In XX/XX/XXXX that card was used for fraudulent transactions of total over {$27.00}. The account was closed in XX/XX/XXXX. 
In this time I had no knowledge about the upgrade to a XXXX. I did not receive it, I did not activate it, I had no online access to this account. 
In XXXX I contacted Synchrony Bank about identity theft. I filed a police report, I send it to the bank also providing all the evidence. I included my credit reports, utility bills that prove my current address, timesheet from my work place that proved I was at work in a different city while the fraud was occuring. The Synchrony Bank rejected my claim 3 times, stating that I opened CareCredit account. I corrected them and confirmed that I did opened it. But the fraudulent charges where made on an upgraded XXXX that Ive never received or used. 
Bank practices are not customer friendly. Their security system failed and allowed fraudulent charges to be made. After 2 years of not using CareCredit card, they sent me an upgraded XXXX that I did not wanted, didnt apply for it and never received it. In all 3 claims I have not received official mail or e-mail results about the claim. I did not receive any phone calls regarding this matter. Their fraud form is misleading. They where asking if I opened XXXX account. The answer is no. I did open CareCredit account. I did not approve nor I wanted XXXX account. The fraud investigation agent informed me after my call, that the claim was denied because I did open the account. Meanwhile the bank dropped the fraudulent debt from {$27.00} to {$11.00}. They did not explained why. They sent me the list of fraudulent charges that did not add up to the amount of {$27.00}, {$15.00} or {$11.00}. In first claim, although Im supposedly the owner of this card and I used it, the bank denied to provide me with information where the charges where made. They denied information to supposedly my account! 
After reviewing the charges, I found proof or payment made for a XXXX XXXX when Im a US Citizen. The car inurance was XXXX, and I have XXXX. The charges included rent in XXXX XXXX location, when Ive lived in a different city since XX/XX/XXXX. 
With all the information provided, bank refuses to cooperate with me. The are lacking communication, their forms are misleading and their security system failed. I am left with a debt I didnt create. I am a victim of an identity theft and Synchrony Bank is not an institution that customer can trust and rely on.
Product: Mortgage

My wife and I applied for an FHA mortgage on Rocket Mortgages website and when it was submitted, I was directed to chat or call a representative. After speaking with a member if their company, I was told we didnt qualify for an FHA mortgage loan because my FICO was XXXX. The credit letter i received from Quicken Loan, their parent company showed me with a FICO of XXXX and my spouse was a XXXX. Those FICO scores would qualify us for an FHA mortgage. I confirmed these scores with another lender. I got a ding on my credit report, no mortgage and the company did nothing to correct this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice for Proof of Claim for Accounts. 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 in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void. 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes 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 Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 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. The following items are inaccurate : 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 following address and phone numbers are not associated with me either. I have never used these numbers or lived at the address listed. XXXX XXXX XXXX, XXXX, OH XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX.
Product: Debt collection

I received a call from a person claiming to be from XXXX XXXX. This person confirmed they were calling about debt, but refused to identify the debt. I have a right to know what they are calling about. The person hung up when I called back, she kept hanging up on me. She was told to never call again.
Product: Debt collection

company was sent a cease and desist letter. Company responded with deceptive and false communication. I do not have a contract with this company. I do not owe this debt.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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
Product: Credit card

Today I leaned that my QVC Credit Card had been charged a {$25.00} Fee for not paying the entire bill of {$40.00} which I believe I did using XXXX checking accounts XXXX of which {$35.00} was paid.The XXXX account was never charged the additional {$5.00} .I believe this problem may have resulted in Synchrony Over Hauling it 's website which I took the Liberty of visting that only shows my XXXX checking not XXXX XXXX XXXX that made the final {$5.00} payment.Also Synchrony caused my Account XXXX go over it 's Credit Limit by QVC Flex Pay which I would also like XXXX dispute all of the interest charges that was applied XXXX my account.Because all of these shop @ home programs claim that no interest will be charged XXXX your account using Flex Pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name XXXX XXXX {$2600.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX   XXXX {$2200.00} XXXX XXXX {$980.00} XXXX  XXXX {$6000.00} XXXX XXXX {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report.

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 16921 XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX XXXX XXXX AXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

15 US-CODE 16921 ADXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.