23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX Va started a process for eviction on XX/XX/XXXX. all parties were to appear in court on XX/XX/XXXX. In the court ruling, the judge ruled that there was no debt to be owed and that I was to vacate the property by XXXX week from that date. Suppose I vacate from the unit. There is no debt owed. The judge ruled no suit with no debt owed. 

As of XX/XX/XXXX, XXXX XXXX XXXX hired a third-party debt collector " Fair Collections & Out. To collect a debt of XXXX dollars. For the past year. I have been disputing this debt for the entire time. 

They have violated Fair Debt Collection Practices Act ( FDCPA ). Without a signed contract, I did not permit Apex Apartment to give my debt to a third party. 

When I spoke to the debt collection agency, I recorded them in the act of trying to settle the debt with a settlement. They tried to settle the debt with me without all parties present on the call. That's a violation of equitable subrogation law : equity jurisprudence, and a violation of suretyship representation. All parties of a settlement of equitable debt. Case Law : XXXX XXXXXXXX XXXX  XXXX XXXX ( Supreme Court of Rhode Island. XX/XX/XXXX. ) We must understand, the moment a debtor makes a payment on a debt. They are not the primary surety of the debt. And can step in the shoes of the primary creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX I have recordings of these conversations with them and all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a debt that is not accurate put back on my account three times -- after three investigations proved it wasnt valid. Transunion refuses to remove it -- in spite of having three times taken it off previously -- just because whoever bought the incorrect account before sells it on and they are not concerned with the simole task of looking at their own records. According to Transunion -- they says this is my fault somehow. 

There was a miscommunication with XXXX but it was cleared up. That did not stop XXXX from putting on my report on XX/XX/17 -- but it was removed. 

XXXX tried the same thing in XXXX -- it was removed because it isn't my debt. 

Now XXXX has put it back on. Transunion claims it meets the FCRA standards -- but they have removed it multiple times and say its not their responsibility because it is a " different creditor '' It's a different fraud -- not a different creditor. For two years my vredit has been docked as a result of their negligence. They know this is not valid but I had to contest it again and they refused to remove it from my account until it was cleared up -- a 4th time.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel By the silence of engelhardt v gravens ( mo ) 281 SW715.719| presume that no proof of the alleged debt. no therefore any such debt in fact therefore exists. ( please remove these accounts before i seek litigation for defamation of character ) Discover Balance {$6400.00}, XXXX XXXXXXXX Balance {$9800.00}, XXXX XXXXXXXX balance {$3400.00}, XXXX XXXX balance {$2400.00}, XXXX XXXX balance {$200.00}.
Product: Credit card

I tried calling them and allowed them to know Im a victim of identity theft and they where just rude and disrespectful towards my situation and told me its my account and Im going to pay the credit card balance
Product: Credit reporting or other personal consumer reports

I am writing to you for the fifth time to address the unresolved issues on my credit report, specifically regarding late open accounts and a charge-off account that is inaccurately tiedup to open accounts. Despite my previous attempts to rectify these matters, the credit reporting agencies have failed to take appropriate action to correct the inaccuracies. These unresolved issues continue to have a detrimental impact on my creditworthiness and financial standing. 

I request that you intervene to ensure that the credit reporting agencies fulfill their obligations under the Fair Credit Reporting Act ( FCRA ). This includes promptly correcting the late open accounts and removing the inaccurately tied charge-off account from my credit report. Furthermore, I request appropriate restitution for any damages suffered as a result of the credit reporting agencies ' failure to address these issues in a timely and satisfactory manner. With this, I am asking for your assistance to remove the charge off account and correct the late open accounts in my credit file : XXXX  XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX : {$1700.00} ; XXXX  XXXX XXXX Balance : {$710.00} - tied up charge off to open account.
Product: Payday loan

I request a payday loan for {$1000.00} with BigPictureLoans.com, my understanding was that the amount to be repaid would be {$350.00}, plus the amount borrowed. BigPictureLoans has attempted to charge me {$350.00} for several months, making the repayment amount thousands of dollars. This is illegal.
Product: Checking or savings account

Marcus has a referral program that gives existing customers a 1 % promotional bonus on their account balance for 3 months. I had referred some-one and they opened an account on XXXX. Their online system was having issues and the account was opened with the help of the Marcus chat agent. My referral code was provided to the chat agent and he applied it for the newly opened account and promised that I would get the promotion on my account in about 24 hours. I have yet to receive the promotion.

I have made several phone calls. In three instances, the supervisor did a detailed review of the case and after reviewing the chat log, agreed with me that the promotion should have been applied to my account. But they needed the back office to do this and after that I heard nothing from them. I finally lodged a complaint with Marcus and did not hear anything from them on that as well. On follow-up, their representative said that the Complaint department should have contacted me but was unable to provide any details on the resolution. 

Please find attached the chat log for the referred customer 's account opening session ( this chat is not on my account ).
Product: Mortgage

I received an automated email from Freedom Mortgage notifying me of a potential breach of my account. 
I followed the notifications instructions and called Freedom 's customer service number immediately. 
The CSR did not understand the situation or my concerns and told me not to worry, and that I should just ignore it because it was probably an error. 
I asked to speak with a supervisor and was promised a call back the next day. 
I did not receive a call so I followed up in writing requesting an explanation of the situation and assurances that my personal, sensitive information was being adequately safeguarded. 
A week passed with still no response from Freedom Mortgage.
Product: Debt collection

Every time I get a call from the company it the same guy. He hang up the phone on me. Demand thing. Rude, disrespectful, just mean and rude.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$24000.00} Enclosed is a copy of a FTC report stating the items that were opened XXXX my name. These accounts have resulted in several fraudulent addresses appearing on my consumer FICO credit report. I've attached a list of the addresses in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent addresses. I do not recognize the aforementioned addresses as reported. The aforementioned addresses appearing on my consumer credit report maintained by you were not initiated by me. All of the aforementioned addresses are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned addresses are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you in dispute of the below collection agency, recently the credit bureaus determined this account was correct despite my dispute for the health care agencies reasons listed below. To date these negative accounts are appearing on my credit report. In my opinion these were unfair or deceptive business practices. The billing person ( s ) failed to process these medical bills in accordance to the Office of Workers Compensation/Bill Processing, neither did they contact me to utilize my secondary insurance once the bills  were denied payment. 
Bull City Financial Solutions XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( Collecting for 2 ) XXXX, NC
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit card

On XX/XX/XXXX, I received a letter from debt collection agency XXXX XXXX XXXX XXXXXXXX, CO indicating that the collection agency was attempting collect {$11000.00} from credi card company XXXX Fleetcor Mastercard. 
The agent XXXX XXXX stated that in XXXX a fraudster made an online application for a fuel credit card under the name XXXX XXXX ( made up ) using stolen identity. I was unaware and authorized none of this. 
The fraudster used fraudulent docu sign indicationing that I was the signer and guarantor. That was not me nor authorized and a criminal act. 

I filed a fraud report with XXXX Fleetcor  Mastercard but I havent heard back, a police report of identity fraud with the XXXX County Sheriffs Department ( report XXXX ), and informed XXXX XXXX  ( XXXX XXXX ) of the fraud. 
I subscribe the a credit monitoring service with XXXX with XXXX XXXX. No inquiry was made by Fleetcor in XXXX before or after on a new credit. I also checked checked XXXX XXXX XXXX XXXX who had no inquiry as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX  XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Vehicle loan or lease

I bought a truck in XXXX of XXXX with my mother cosigning for me. Everything was in perfect order until Covid-19 hit. I called State Farm Bank to see if I could get a deferment. They gave me one for XXXX, XXXX, and XXXX XXXX of XXXX ). I paid the regular payment in XXXX. I asked them again for another deferment ( and they gave it to me ) for XXXX, XXXX, and XXXX, XXXX. My next payment was due XX/XX/XXXX. I called and made a payment on XX/XX/XXXX. I waited and waited for them to take the payment out of the same account that I had been paying before Covid, for 2 and a half years. They never did. I was not aware that the company had merged with XXXX XXXX  in XXXX XXXX. It was around this time that I was beginning to see the issues this merge caused. 
I spoke with XXXX on XX/XX/XXXX and he explained to me that I could not use the account I had used for 2 and a half years, and I had to make the payment out of another account. I wasnt happy, but paid the payment. Reference number XXXX. 
I started looking into my account online, State Farm Bank. My account activity was crazy. 
The ACH payment schedule ( of {$360.00} ) from XX/XX/XXXX to XXXX XXXX All were made on time with never a late fee or mark on my credit! 
Then Covid hit. 
I asked for a deferment. State Farm gave me XXXX, XXXX, and XXXX of XXXX I paid {$360.00} on XX/XX/XXXX I asked for a deferment XXXX, XXXX, and XXXX. 
My payment for XXXX was made on XX/XX/XXXX. It was reversed XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Auto pay XX/XX/XXXX reversal XX/XX/XXXX Payment- they tried to take it out of my mothers account XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX payment XX/XX/XXXX reversal XX/XX/XXXX Payment XX/XX/XXXX Payment I never knew any of this! Since I saw this, it was erased from my account. 
I talked to XXXX XX/XX/XXXX said i was paid up until XX/XX/XXXX. XXXX I talked to multiple with State farm Bank. I was the one calling to try and get this straightened out. They never contacted me. I talked to each of them at least 2 times. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was paid up until XX/XX/XXXX, then they took a payment out of me XX/XX/XXXX. I asked for a return, as it was taken out of the wrong account. Now they are telling me my payment is due XX/XX/XXXX and I dont think it is right. 

I want my record cleaned with this bank/merge. If the covid didnt hit everything would be fine. I was unable to get any loan for XXXX, and was turned down for any credit cards. 
I am furious with this, and wanted to get away from this bank, and no one can help me with that.
Product: Debt collection

I am writing to dispute and request the immediate removal of fraudulent accounts from my credit report. It has come to my attention that certain fraudulent accounts are still present on my credit report, despite the fact that other credit bureaus have successfully removed these accounts following proper verification of the fraud. 
Below are the details of the fraudulent accounts in question : XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I have already reported these fraudulent accounts to the respective creditors and have provided all necessary documentation to verify the fraudulent nature of these accounts. Other credit bureaus have acknowledged the fraudulent activity and promptly removed these accounts from my credit report.
Product: Checking or savings account

On XX/XX/2022 inconsistency in my debit accounts were noticed. As well as suspicious activity and unauthorized transactions. I have been trying to get a transcript of my activity on a certain debit card that was not reported stolen or lost on XX/XX/2022 when I walked to the local convenient store. I did not report the card due to the fact that I was unemployed and had no incoming money to my debit card account. I received a deposit to my account on XXXX XXXX, 2022. At that time I reordered my card via the app in the amount of {$5.00}. Again never reported that I had lost my previous debit card. I contacted the financial institution via phone. The customer service representative informed me that the information is not available. Ensuring me that the data had been deleted from this specific debit card .I have reasons to believe that some unknown individual has my debit card that was lost/stolen. It's taken me 10 months to go through the accounts involved. Only to be denied my disputes. The receipts in my account are illegible and make no sense. I feel I have been taken advantage of in this whole situation.
Product: Money transfer, virtual currency, or money service

I received a text message indicating I was receiving a deposit to my Cash app account. I logged into my account and no such deposit was pending. I thought an unauthorized party was attempting to access my account, so I changed the PIN on the account. I immediately received confirmation of my PIN change from the same number that notified me of the incoming deposit. This leads me to believe that the number from which the alert was sent is a legitimate number, however, there is a privacy issue somewhere. 

I contacted the company who then advised some other customer had probably mis-typed my phone number by accident, and that my only recourse was to wait for that customer to realize the mistake and correct it. Not only are the alerts alarming, but they violate privacy of both myself and the other account holder. After several minutes of trying to explain why this is a serious security breach and waiting is not an acceptable resolution, I asked for a supervisor. 

The supervisor informed me it is not possible for XXXX phone number to be associated with XXXX accounts, and then advised that I should educate myself on phishing attempts and act accordingly. I again provided screen shots that showed the same number was providing the alerts from my account, as well as alerts from another account, but the supervisor disconnected me without providing a solution. 

I again contacted the company explaining this serious breach of privacy and security. The support team advised me to toggle the notifications off, then on again. I did this suggested action as well as uninstalled and re-installed the app, then toggled the notifications off/on again, to no avail. I continue to receive notifications from another customer 's account. 

I contacted the support team again, and they suggested I simply opt out of account notifications. I pointed out that this would then deprive me of any notification where an unauthorized party was trying to access my account, but no further solutions have been provided. 

I continue to be extremely concerned that this company is wholly unconcerned with the security and privacy of its customers/account holders. I also am still receiving notifications from the other account ( not mine ), even now. This violation of privacy and security needs to be addressed, as we are talking about not only currency, but the potential for hacking into banking accounts that are linked to these accounts in the app! The security of my funds is critically at risk, and it is vital that we review the policies and procedures of this company, and ensure the privacy and security of account holders is more conscientiously guarded and protected!
Product: Checking or savings account

This is concerning the fraud claim from my account ending in XXXX that happened on XX/XX/2022. Here is more substantiating information backing up my claim. 
Attached are the pages of the police report that I filed with the XXXX TN police department. The Narrative on page 4 describes the crime that took place. My phone was stolen from me and XXXX and XXXX and ACH wire transfers was used to fraudulantly Electronic Transfer all the money that I had in my student checking account and savings account. without my consent or knowledge. The Consumer Protection Laws for fraudulant Electronic Transfers require the victim to notify the bank within 24 hours which I did via contacting Navy Federal Credit Union on XXXX XXXX XXXX  The bank is required by law to replace the money that was fraudulantly transfered. I also fraudulanlty lost money from my XXXX XXXX XXXX  account which XXXX XXXX XXXXXXXX has since replaced. Navy Federal Credit Union is responsible to protect consumers from fraudulant Electronic Transfers just as XXXX XXXX XXXXXXXX is responsible to protect consumers from fraudulant Electronic Transfers. I want written explanation of the entire investigation that was performed by Navy Federal Credit Union fraud department that determined there was no fraudulant activity if that is the conclusion XXXX XXXX is making after receiving this additional Police Report information.
Product: Debt collection

I had money withdrawn from my account multiple times without notice or contact. The first time was at the very beginning of Covid as everything was shutting down they withdrew all of the money from checking and savings. I set up a payment agreement but was later furloughed and contacted them to ask if there was any option to renegotiate or change the payment agreement as I was out of work. I was told 3 payments would be removed from the agreement ( I asked if I would have to make them at the end or at a later date and was told no ). I made my final payment XXXX of XXXX. XX/XX/XXXX money was again withdrawn from my account and I was told I still owe the 3 payments removed from the agreement. At no point was I told I still owed money, there was never a call or mailing in an attempt to inform me that I still owed money. Over a year after I thought I had paid this off and put it behind me I was suddenly told I never had.